Individual Charge Account Denial Letter

An Individual Charge Account Denial Letter sample such as this will help deliver the bad news to consumers hoping to open a charge account. 

Sure, in theory, it would be lovely to extend a yes to eager applicants. 

Unfortunately, that’s not quite realistic and a “no” is bound to happen. 

If you’re searching for just the right words to inform an applicant of the bad news, search no further! 

We’ve taken some of the legwork out of the process for you.  

This sample letter is generic, but will satisfy just about every need you will have for the subject. 

Easily amendable, you can snip and add  what you need to tailor your specific needs.


Dear __________,


We regret to inform you that we are unable to open a charge account for you at present due to information obtained from the following consumer reporting agency: 

We wish to advise you that you have the right under federal law to obtain full disclosure of the nature and substance of all information on you that is contained in the files of the consumer credit reporting agency, with the exception of medical data, upon the presentment of proper identification.

Although we are unable to offer you credit terms, we would be pleased to welcome you as a customer and hope that we will be able to open a charge account for you some time in the future.

Thank you for submitting your application to us.


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