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Credit Denial Letters

Credit letter writer should follow certain guidelines which can be used as outlines of contents mentioned in the letter. These guidelines help to understand rules, restrictions and conditions made by the seller and to be followed by the purchaser. Credit letters some time written by the bank on behalf of the purchaser to the seller because the bank needs to represent the purchaser.

Mr. Antonio T. Brown

2910 Linden Avenue
Orlando, FL 32810

28 September 2010


Dear, Mr. Antonio

We received your application letter dated 20th September, 2010 for taking a credit from our bank. But it is my painful duty to inform you that we cannot lend you credit because of certain issues which we consider in your case. For taking credit we fixed up one income criteria but your income is not up to that level of satisfaction and we think that you could not make payments due to low income. Your company doest not comes under our list of companies thus verification is not possible. You had always done all your payments late of which late fee has been charged to you each time. Apart from all these there no one who will give your reference and take your guarantee. Hence please excuse us in this respect and try to work on these issues to get eligible for taking a credit.

Thanking You

Yours Sincerely,

Ms. Teresa F. Brown

Branch Manager

ABC Cooperative Bank Pvt. Ltd

4641 Wexford Way
Rock Hill, SC 29730

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