No credit for you at this time

					(your street
					 city, state, zip)

					(date)


(name 
street
city, state, zip)

Dear _____ (name):

	To tell you the truth, many of our customers prefer to
make their purchases by cash.  This alleviates the anxiety of
having to make late payment charges.  I would like to  recommend
this method to you because, as much as I have tried, I cannot
find a way to add you to our list of credit customers.

	Our gathered information indicates that your payments
this year have been getting more and more behind.  Of course,
this may be a result of your having a particularly bad year.
But, we ethically cannot add to your outstanding debts.  We,
of course, hope your condition improves.

	We do appreciate your considering us as a supplier and
would be pleased to do business with you on a cash-with-your-
order-basis.  Our service and products continue to be outstanding!

					Sincerely,



					(name)
					(title)

  
 ..........................

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