Dear

　　It is because we donot want you to experience unnecessary embarrassment， that we are writing this letter to you.

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

　　You have been too goodof 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 aself-addressed envelope for your convenience and are requesting