Offer the Use of a Charge Account • Example Letters, Guides and Samples
Offer the card as a service to the customer. Make sure you include all the information about how this account will save the reader money or how it will make his or her life more convenient.
How to write this sales letter:
- If applicable, thank the customer for past business and reinvite him or her to use a credit card in the future.
- Explain the details of the charge account, such as interest rates, annual fees, credit limits, and any other standard information.
- Highlight any exceptional benefits that your credit plan offers.
- If you wish, offer an added incentive to motivate the prospective client to register for a charge account.
- Explain how to respond.
Example Letter #1
We have enjoyed serving your clothing needs and would like to make your purchases more convenient with the use of a Doe credit card. While most department store credit cards charge an Annual Percentage Rate of 21% per year, Doe's charges only 15%, which adds up to impressive savings for you. And we never charge an annual fee.
For more flexibility, we allow a ten-day grace period beyond the payment due date before adding a minimal $5 late fee. As a special bonus during the Christmas holidays, the Doe credit card allows you the option of taking a payment holiday. That's right! No payment required during December. If you return your pre-approved application today, you may delay payments on your first purchase for three months! But hurry! This offer is good only through May, 2019.
Example Letter #2
Of all the credit cards you could choose from, you will find that the Doe Gold Card gives you an unprecedented level of service. For the first time ever, we are offering a gold card with a 5.9% introductory APR, a $5,000 credit limit, and no annual fee. Plus, the Doe Gold Card offers you a list of premium benefits, including car rental insurance and 24-hour road emergency assistance.
As an added bonus, we invite you to transfer the balances of your high interest cards to your new Doe account. To take advantage of this exceptional offer, fill out the enclosed invitation and return it by March 31, or call 555-5555 today. We look forward to welcoming you as our newest valued customer.
Example Letter #3
We have long considered you to be one of our most valued customers, but have noted that you have not used your Doe charge account recently. Is there some problem that we can help to resolve? If so, please feel free to call me at 555-5555.
In any case, we would like to draw your attention to our new interest rate structure. We charge only 6.9% on the first $1, 500 of your outstanding balance and 8.9% on the next $1,500, rising to a maximum of 17.9% on that portion of the balance over $3,000. This makes our card truly economical to use for all those little purchases that come up from month to month.
Now is a great time to come back to Doe's. You can use the enclosed coupon to obtain a 20% discount on your next Doe card purchase. Remember, at Doe's we stand by our products- and our customers!
Example Letter #4
As a preferred customer, we would like to invite you to take advantage of the convenience of a Doe Corporation charge account. Quite apart from the excellent terms and conditions we offer, a charge account with us will entitle you to advance notice of special offers and the same excellent discounts we offer our regular, high-volume customers. And don't forget, our charge account customers are able to take advantage of these special deals at any time and schedule the payments to suit themselves!
The enclosed copy of our terms and conditions has an application form attached. Just fill it out and mail it, and you will have your charge account in time for our next big sale.
Write Your Letter Step-by-Step
1 If applicable, thank the customer for past business and reinvite him or her to use a credit card in the future.
Sample Sentences for Step 1
- Thank you for holding a charge account with Doe Department Stores. We want to remind you of the benefits you consistently receive by using our credit plan.
- We notice you have not used your charge card for some time. In case you have forgotten, we want to tell you about the benefits you receive every time you use your Doe card.
- We appreciate your business and we want to show it by offering you special savings every time you use your card this month!
- We want to express our gratitude for your consistent purchases and prompt payments on your Doe account. Over the past five years, you have become one of Doe's preferred customers.
- Thank you for using your charge account this month! For a limited time we offer added incentives to use your card on all your preschool purchases.
- We hope you enjoy using your charge account at Doe Department Stores as much as we enjoy serving you. This short letter is just a quick reminder of the benefits your card gives you every time you use it.
Sample Phrases for Step 1
- appreciate your business
- as much as we enjoy serving you
- consistently receive by using our credit plan
- every businessman seeks the patronage of good customers
- every time you use your card this month
- have developed an excellent credit rating with us
- hope that you enjoy using your charge account at
- if we goofed, please give us a chance to correct it
- in case you have forgotten
- means you may be missing some tremendous values
- notice you have not used your charge card for some time
- on all your purchases this month
- over the past five years
- pleased to say that we at Doe consider you among the best
- should be proud of this accomplishment
- thank you for using your charge account
- thank you for holding a charge account with
- the benefits your card gives you every time you use it
- this short letter is just a quick reminder of
- want to give you some added incentives to use your card
- want to remind you of the benefits
- want to express our gratitude
- want to show it by offering special savings
- want to tell you about the benefits you receive
- your consistent purchases and prompt payments
2 Explain the details of the charge account, such as interest rates, annual fees, credit limits, and any other standard information.
Sample Sentences for Step 2
- You are pre-approved for this unique Doe account with no annual fee. This benefit could save you as much as $45 per year.
- You could be eligible for up to $20,000 in credit. This credit card offers you the highest limit available at any bank.
- We want you to have the opportunity to replace your higher interest cards with a Doe card that features an unprecedented 5.8% fixed Annual Percentage Rate. This is one of the best credit card offers you will ever receive.
- This card offers a generous credit line ranging from $5,000 to $10,000, a low introductory Annual Percentage Rate of 6.4%, and no annual fee.
- Doe proudly presents this remarkable credit card offer at 7.6% APR! Because this special welcoming rate is actually lower than the prime rate, you can save more, immediately. What's more, you qualify for a $10,000 limit.
- We want you to enjoy shopping at Doe's. That is why we offer the Doe Card. Now you can look forward to low monthly payments as you purchase all the furnishings and decorations you need for your home right now.
- If you currently pay more that 5.9% APR on any of your charge card balances, we have great news for you. Now you can finance up to $3,000 in purchases at a low 5.9% Annual Percentage Rate with the Doe card.
- This is the bottom line. We offer a low 6.7% APR and no annual fee. This means you could save hundreds of dollars just by choosing the Doe card. Plus, you are pre-approved to receive up to $5,000 in credit.
Sample Phrases for Step 2
- actually lower than the prime rate
- are pre-approved for this unique
- available at any bank
- because this special welcoming rate
- can save up to $75 immediately
- card offers a generous credit line ranging from
- could save hundreds of dollars just by choosing
- could be eligible for up to
- credit card offers you the highest limit
- features an unheard of 5.8% fixed Annual Percentage Rate
- if you currently pay more than
- look forward to low monthly payments
- now you can finance up to
- on any of your charge card balances
- one of the best credit card offers you will ever receive
- pre-approved to receive up to
- proudly presents this incredible credit card offer at
- qualify for a $10,000 limit
- replace your highest interest cards with a Doe card
- this benefit could save you as much as
- want you to have the opportunity to
- with no annual fee
3 Highlight any exceptional benefits that your credit plan offers.
Sample Sentences for Step 3
- In addition to the low APR and no annual fees, the Doe card allows you to receive cash advances to pay off your other credit card balances, for example.
- Save money by consolidating your debts now! We've created this charge account to accommodate all of your credit needs. Why not transfer all your credit card balances to the Doe Card? Many of our customers have saved $250 and more on annual fees and interest during the first year alone.
- In the event that you become disabled or unemployed, you can opt to transfer your other credit card balances to your Doe card, and we will defer your payments for 18 months.
- With your new Doe card, you will enjoy every luxury a credit account can offer. We offer a low annual fee, a 25-day grace period, extensive travel benefits, extended warranty, and purchase security.
- We offer the same benefits as other cards with annual fees of up to $75. Yet we charge no annual fee.
- This card is accepted worldwide. So no matter where you travel, you will still be able to enjoy the benefits of your Doe Card.
- You can save up to $12.00 per day on collision insurance when you pay for your auto rental with the Doe Card.
- When you pay your full balance each month, you incur no finance charges.
- We want your charge account to be as convenient as possible, so we allow you to choose your monthly payment date. It's easy. Choose any day of the month and make your payment then.
Sample Phrases for Step 3
- a 25-day grace period
- accommodate all of your credit needs
- allows you to make balance to balance transfers
- as little as half of what other cards require
- can access as much cash as you would like
- can opt to transfer your other debt balances
- enjoy every luxury a credit card can offer
- extensive travel benefits and extended warranty
- have created this charge account to
- have the option of paying more whenever you wish
- in order to pay off
- in addition to the low APR and no annual fee
- in the event that you become disabled or unemployed
- many of our customers have saved
- offer a monthly fee of just
- on annual fees and interest rates during the first year alone
- other credit card balances
- save money by consolidating your debts now
- save up to $12.00 per day on collision insurance
- this card is accepted worldwide
- up to your credit limit
- when you pay the full balance of your monthly expenditures
- when you pay for your auto rental with
- why not transfer all your credit card balances
- will get interest-free cash advances
- will defer your payments for 18 months
- with the Doe card
4 If you wish, offer an added incentive to motivate the prospective client to register for a charge account.
Sample Sentences for Step 4
- We want to show you our appreciation for applying for a Doe Credit Card by offering you 25% off the first purchase you make on your card.
- We promise to beat any regular interest rate you now pay on your purchases. Furthermore, our fixed Annual Percentage Rate will not increase after six months, unlike those of other cards. Our lowest rate guarantee means that you will begin saving right away, and you will receive these savings for the entire lifetime of the account.
- As a special introductory offer, we invite you to transfer the balances of up to two of your highest interest rate cards--with no transfer fee!
- With interest rates steadily rising, you may never be offered another card with an Annual Percentage Rate below the prime rate! Don't miss this incredible opportunity to save money.
- Take advantage of this low 5.9% APR while the introductory offer lasts!
- You can save immediately with our 6.5% welcoming APR by accepting our invitation now!
- This is truly a rare opportunity; however, it will be available for only a short time. If you would like to have a card with no annual fee and the incredibly low Annual Percentage Rate of 7.8%, sign and mail your application today!
- The sooner you accept this card, the sooner you will save.
- As of today, we will not bill you for any purchases made on your charge account until February 10.
Sample Phrases for Step 4
- Annual Percentage Rate below the prime rate
- applying for a Doe Credit Card
- as a special introductory offer
- by accepting our invitation now
- do not miss this incredible opportunity to
- interest rate will not increase for six months
- invite you to transfer the balances
- lowest rate guarantee means
- may never be offered another card with
- now pay on your purchases
- offering you 25% off the first purchase
- promise to beat any regular interest rate
- take advantage of this low
- unlike those of other cards
- up to two of your highest interest rate cards
- want to show you our appreciation
- while the introductory offer lasts
- will only be available for a short time
- will receive these savings for the entire lifetime of the account
- will begin saving right away
- with no transfer fee
- with interest rates steadily rising
5 Explain how to respond.
Sample Sentences for Step 5
- Just fill out a Doe Card application the next time you visit any of our department stores and you may immediately qualify for up to $2,000 in credit.
- Complete and mail in your invitation today!
- It's easy to apply. Simply send your acceptance certificate in the enclosed postage-paid envelope and you're on your way to all of the great savings and conveniences a Doe account can offer!
- Why not sign and mail in your preferred status application now?
- Complete the enclosed form and return it in the prepaid envelope.
- Fill in the authorization box on your application to enroll in this valuable plan.
- Enrollment is easy. Just check "yes" and fill in the rest of the required information on the response form provided.
- Enclosed is an application for your convenience. Fill it out and send it in the self-addressed envelope provided.
Sample Phrases for Step 5
- a Doe account can offer
- application to enroll in this valuable plan
- are on your way to all of
- complete the enclosed form
- complete and mail in your invitation today
- enclosed is an application for your convenience
- enrollment is easy
- fill in the authorization box
- great savings and conveniences
- in the enclosed postage-paid envelope
- information on the response form
- it is easy to apply
- just fill out a Doe card application
- may immediately qualify for up to
- preferred status application
- return the application in the prepaid envelope
- simply send your acceptance certificate
- the next time you visit any of our department stores
- why not sign and mail in your