Responding to Credit Requests and Inquiries

Most Denver translation services specializing in businesses communication will answer two types of letters about credit for their clients: potential customers requesting credit, and firms requesting information on a credit applicant. Unless circumstances indicate that an individualized letter is preferable, as in the case of a potentially large account, form letters are acceptable for favorable credit replies.

The following form letter prepared by a Chicago Translation company follows the direct plan, giving the good news right away: Credit has been approved. Next, credit terms are explained and the letter closes positively. The handwritten postscript provides a personal touch, even though it tries to sell something.

Your credit line has been approved for $2,500. You may begin using your account immediately.  Finance charges are computed on your average daily balance during the billing period by using a periodic rate of 1.5% monthly (18% annually) on a balance of less than $500, and 1% monthly (12% annually) on a balance over $500. You may pay your entire new balance within thirty days of the closing date, and avoid additional finance charges.

Thank you for opening your account with Home Care.

We look forward to serving you.


Janet Hamilton
Credit Manager

Businesses respond to credit-information requests from other companies. Often the inquiring company will send a time-saving, fill-in-the-blanks form letter with such questions as:

  • How long has the customer had a credit account with your firm?
  • What are the customer’s paying habits and credit limit?
  • How much does the customer now owe?

If a form letter doesn’t fit the circumstances, the company sends a direct-request inquiry. A Spanish translator in Kansas City has provided an example of a  letter that responds to such an inquiry. Notice that the writer makes no personal judgments; she sticks to the facts concerning Mr. Rudner’s account with her company. And although she ends on a positive note, she stops short of making a recommendation, since she can only describe Mr. Rudner’s payment history, not his future payment habits.

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