[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Card Company Name] [Credit Card Company Address] [City, State, ZIP] Subject: Request for Payment — Credit Line Exceeded Dear [Credit Card Company Name], I hope this letter finds you well. I am writing to address a concerning issue with my credit card account. As a loyal customer of [Credit Card Company], I want to bring to your attention that the credit line on my account has been exceeded. I have always strived to maintain a good credit history by making my payments on time and being responsible with my spending. However, due to unforeseen circumstances, I have encountered unexpected expenses that have necessitated exceeding my credit line temporarily. I understand that exceeding the credit limit may result in additional fees and interest charges, but I kindly request your assistance and understanding in resolving this matter. I am unable to pay the entire outstanding balance in one lump sum at this time, but I am committed to making prompt payments to reduce the balance gradually. Furthermore, I kindly ask you to consider the following options that may help facilitate repayment: 1. Temporary credit limit increase: I request you to allow a temporary extension on my credit limit, enabling me to make necessary payments and gradually reduce the balance within a reasonable timeframe. 2. Payment plan: If a temporary credit limit increase is not possible, I am willing to work out a payment plan with you. I propose making monthly payments above the minimum payment requirement until the balance is fully settled. I believe that working together to find a solution will benefit both parties. Furthermore, I am sincerely committed to resolving this matter and continuing my longstanding relationship with [Credit Card Company]. Should you have any additional suggestions or alternative arrangements, I am open to exploring them. I request that you consider my situation and contact me at your earliest convenience to discuss the details further. I can be reached at [Phone Number] or [Email Address]. Furthermore, I would greatly appreciate your prompt response and cooperation in this matter. Thank you for your time and attention to this request. I look forward to hearing from you soon. Yours sincerely, [Your Name]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.