payment has consistently been getting further and further behind. our research has not provided sufficient. 
notice that you have been in this area only a few.not able to promptly meet all your current obligations.my unfortunate duty to inform you of your ineligibility.must be employed full-time for at least.merit approval under our criteria for extending credit.lack of a permanent work record at this time.it appears from the credit report we just received.have been endeavoring to establish your credit.financial information you provided us does not include.does not conform to our company credit requirements.demonstrate your ability to pay your open accounts.credit criteria require that a customer's liabilities not exceed.company has been established for at least.company policy does not allow us to process orders on credit.committee decided to not grant the requested line of credit.careful evaluation of your application indicates.cannot see adding to your outstanding debts.by then you should have less difficulty.
being unemployed makes it impossible for us to offer. been making regular payments on all your current accounts. because your current liabilities exceed. based on the information you supplied us. based on your application and the formulas we use. authorities consulted have not given us sufficient. are not in a position to extend the amount of credit you desire. after reviewing all the information on your credit application. after a careful review of your application. according to your financial statements and our credit information. We have thoroughly examined the credit information you recently submitted and have concluded that, due to your current obligations, we can best serve you by offering a payment alternative other than credit. Therefore, our credit department suggests that for now we operate on a cash-only basis. From the information we have received, you had difficulty paying your previous supplier in a timely manner. You have been making regular payments on all your current accounts however, because you are unemployed we cannot offer you credit at this time. Until you furnish that information to us, we cannot process your application. The financial information you provided us does not include your current income or your outstanding debts. Because of this, we must delay credit approval until you demonstrate your ability to pay your open accounts. According to your financial statements and our credit information, you are not able to promptly meet all of your current obligations. Your new business venture sounds exciting and challenging however, company policy prevents us from extending credit until a company has been established for at least one year. Although your part-time work record is excellent, you must be employed full time for at least six months before we can offer you a Doe credit card. State the reasons for the refusal, followed by a brief refusal. would like to grant the terms you requestĢ Soften the refusal, if possible, by noting any positive items in the reader's application. underwent our standard credit investigation. thank you for your recent charge card application. thank you for your recent request for a line of credit with. thank you for filling out a credit application. new business venture sounds exciting and challenging. greatly appreciate your interest in obtaining. greatly appreciate the order you sent us on. appreciate your interest in doing business with. appreciate your request for a credit card. Thank you for your letter expressing interest in opening a charge account with our corporation. We appreciate your confidence in our services. Thank you for sending us your credit application. We appreciate your interest in doing business with Doe's. 
We greatly appreciate the order you sent us on June 30. Thank you for taking the time to fill out a credit application during your recent visit to Doe's Department Store. Thank you for your recent request for a line of credit with Doe's Wholesalers. We appreciate your interest in a loan from Doe Mortgage. We appreciate your application for a credit card. Thank you for your interest in Doe's Luggage. Offer encouragement or a suggestion to reapply later.ġ Thank the applicant for applying for credit. Suggest, if appropriate, other possibilities for doing business. 
Soften the refusal, if possible, by noting any positive items in the reader's application.Thank the applicant for applying for credit.In most cases, your refusal should leave the door open to future applications from the same party. Example Letters, Guides and Samples GuidesĪ letter declining a request for credit, either from a business or a private citizen, should retain the good will of the reader.
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