Dear {credit card company}:
I was mortified to have missed my monthly credit card payment that was due on {date}. I {forgot/was short on funds}.
Enclosed, please find a check for the {balance/minimum payment due}.
I would like to request that you {waive late fees/don't increase my interest rate}. It would create a hardship for me if this flexibility is not able to be extended.
As you can see from my longstanding credit card history, I have never before been late with a payment. Thank you for your consideration.
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Index of Hardship Letter Examples