Credit Rejection Letter

When a credit applicant isn’t suitable to receive a requested amount, the bank can send them this Credit Rejection Letter to explain the reasons.

The Bank Manager,

[Bank’s Name]

[City, State and Zip Code]


[Recipient’s Name]

[City, State and Zip Code]

Subject: Credit Application Denial

Dear [Recipient’s Name]

Thank you for submitting an application for credit and for being a loyal client to [Bank’s Name].

This letter regretfully is to notify you that your application has been denied. The reason for this denial is in regard to our credit approval policies. These are [Reasons for Denial].

We have also looked through your financial records and generated a creditworthiness rating of [Percentage]. The bank is thus unable to proceed with the credit request for [Amount requested].

Our bank offers credit resolution mechanisms and overdraft facilities to help you improve your credit ratings and qualify for higher credit in the future. Thank you for your time and consideration.

Best Regards,

[Bank Manager’s Name]

Bank Manager

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