Decline a credit request. Sample letter


  1. A letter to refuse an application for credit, either from a business or a private citizen, should maintain the good will of the reader. Commonly, your declining letter should still leave an open door for future applications from the same person or business.
  2. Express gratitude to the applicant for requesting credit.
  3. Maintain a soft tone in refusing, if possible, by pointing out useful items in the reader's application. Explain the details why his or her application was denied.
  4. Provide, if possible, other possibilities or ways of doing business.
  5. Encourage him or her to apply some other time again.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

All-Star Computing Supplies recently received your in-house credit application. Unfortunately, after conducting a thorough examination of your credit history, we are not able to offer you a line of credit. We recognize the potential of your business and would be more than willing to reconsider your application when you have resolved some outstanding credit issues. Further, we would invite you to consider meeting with one of our consultants at All Star Finance who may be able to work with you to resolve your credit issues. We, at All Star Computing Supplies, value your custom and look forward to being able to be of assistance to you for all your computing needs in the future.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -