Credit Card Savvy


Mr. S. Ken Flint

Omega Credit Cards

100 Main Street

Wilmington, DE 00000

Dear Mr. Flint:

I am writing to explain why my credit card bill was late last month. I am hoping that you will change your mind about increasing my interest rate after you understand my circumstances.

It all started when I broke my leg skiing in Colorado. Things went downhill from there (no pun intended).

On the plane coming home, the flight attendant didn’t mean to trip over my cast, but he did. Drinks flew everywhere and well, I guess I got a little excited and so did my seatmate when he slugged the attendant and started yelling.

A fight broke out and the only way I could stop it was to blast them with the fire extinguisher. That brought a federal marshall and, to be honest, Mr. Flint, it was no reason to take us to jail. I think if the lady behind me hadn’t fallen over with a heart attack, things would have turned out differently.

I still haven’t gotten to the reason for my late payment. After I got out of jail I had just enough cash to pay a friend to drive me home. I asked him to stop at a famous fast food place, the one with the golden arches. Their mascot was there and I thought it would be fun to take a selfie with him. What I didn’t know was that the guy dressed up as Ronald in the parking lot was a fake and he ended up mugging me and stealing all my money.

My friend needed something for his trouble, so he took my only pair of shoes as payment. I managed to scrape together enough to buy a cheap pair but tripped on my crutches going out the door and landed on a blind lady and her service dog. I really think calling an ambulance wasn’t necessary, as she still could walk.

So you see, Mr. Flint, I really do have a legitimate reason for not paying my bill on time. And if you would be so kind as to keep my interest rate what it was before you raised it—and not tack on the $39 late fee-- I think I can swing the payment this time.

I look forward to hearing from you.

Sincerely,

Sherwood L. (Ike) Breaks