dmaze | Phone droids

Points to the Discover dial-a-human for being able to do things! This included the setting "don't send me checks" and the "do send me my own checks" bits; more concretely, don't send me checks that mailbox thieves can steal to buy things on my account, but when I send you a payment, do the normal "send the check to my bank" mechanic and not the new "convert the check into an electronic transfer" mechanic. Also, filed a "new balance + available credit < credit limit" bug (I can find a set of transactions that, if they're temporarily counted twice, would account for this; the phone system tells you your balance when you call it and that number made sense). Just remember, "0" is for "OPER".