“Stop posting us letters when we miss payments and start texting or emailing us.” That was the resounding message from Australian consumers in a new survey on lender communications by Silicon Valley analytics firm FICO. While 18 percent of respondents said credit grantors send late-payment reminders via the mail, only 6 percent prefer that channel. The top preference in Australia was for SMS messages (39 percent), with email following at 30 percent.