Credit denial letter

It’s a very unpleasant task to send out a credit denial letter but sometimes it’s absolutely necessary because some people genuinely can’t handle the credit nor pay their bills. It should be handled nicely because your letter will more than likely go on record with the company.


Starting to Write


Thank the customer for their business and considering your company.


If it’s a company, praise them for their services and the products that they sell.


Send out the regretful information that their credit has been denied.


If the customer would like, ask them to give you a call and discuss the denial further.


Remind the customer that cash purchases are always more than welcome.

Sample Letters

Sample credit denial letter

Dear Mr. Robertson,

We’d like to thank you for the application you sent to Reepers Credit. We appreciate the time you took to apply and your interest in our company however, we regret to inform you that your credit line was not approved. You currently have a $1,500 credit limit which is for the first 6 months due to the circumstances of your account and we are not able to make such a drastic extension to $10,000.

If you have any questions about this letter or denial, please feel free to call me at 931-201-2018 so we can discuss this matter and discuss what can be done about your existing credit line.


Lilly Russtool