Earning my ire

Today I got a letter in the mail from my bank. They needed to tell me that they had tried to send me a new debit card, but it had been returned to them by the post office, with the USPS telling them that they had the wrong address. I had two immediate thoughts. A) Why did this letter get to me? B) They didn't have my address, so they thought to inform me.... by mailing me a letter?!?
Anyways, on the topic of credit cards, the single most grating commercial on my soul during this year's tournament is this number from Capital One:
I hate Spaghetti Jimmy (whose last name is apparently Cardholder) Spaghetti Jimmy Cardholder sucks.