November 22, 2019

METROBANK
____________ Branch

Ms. __________
Bank Manager

Dear Ms. :

My name is Ryan and I am a holder of ________ credit card. I have been a good
customer and payer for _____ years now. Unfortunately, due to my financial
constraints, I am having difficulty in paying on time.
In this regard, I would like to request for a re-structure of my credit card account with
respect to the amount due and payment schedule. I propose and undertake to make
a monthly payment in the fixed amount of _________ on a regular basis. With this
commitment, may I further request for the waiver of the interests and penalties, or a
reduction of the same at the very least.
Furthermore, I wish to deal this matter directly with your good office for accuracy and
expedience and expect that your designated collection agency will refrain from
intervening.
I hope this request will merit your approval.

Sincerely,
RYAN
[account number]