                      [DENIAL OF CREDIT]
 
 
 
General rules:
 
       * Thank reader for interest in company and order, if
         there was one.
       * Be gentle in refusal.
       * Never tell the applicant he or she was a "poor credit
         risk".
       * Leave door open for future re-evaluation.
®PG¯
                            COMPANY
                            ADDRESS
                       CITY, STATE  ZIP
 
 
 
 
 
Date
 
 
Name
Address
City, State Zip
 
Dear                ,
 
     Thank you for your order and your recent credit
application.
 
     Based on the information we have received, we cannot
approve your credit line.
 
     If you believe our action is unjustified, or you can
supply additional information, we would like to hear from
you.  In the meantime, please continue to use our services
on a cash basis, as you have to date.
 
     We look forward to serving you in the future.
 
Sincerely,
 
 
 
Name
Title
