Dear

It is because we do not want you to experience unnecessary
embarrassment, that we are writing this letter to you.

As we have reminded you, your account is past due and I am
sorry to inform you that if you were to present your charge
card at our store today, our sales personnel could not
accept the charge without an okay from the credit
department. This would necessitate your going to the credit
department to discuss the status of your bill before the
charge would be approved.

You have been too good of a customer in the past to have to
go through this procedure, but unless we receive your payment
we have no other alternative, due to our company policy.

We have enclosed a self-addressed envelope for your
convenience and are requesting that you please mail us your
payment today. Thank you for your anticipated cooperation.