               REPLY TO REQUEST ABOUT CREDIT REJECTION




                                   Date: _




To: _ [Credit Applicant]






     In response to your request for a statement of our
reasons for turning down your recent application for credit,
our records reveal that your application was not approved
because: [Describe]


_


     We appreciate your patronage and invite you to shop with
us on a cash basis.




                                   Very truly,








______________________________


