Credit Card Restructure Letter Templates

Looking for credit card restructure letter templates? Get three unique and detailed templates to help you request, propose, or respond to a credit card restructuring offer.

These customizable templates are designed to help you negotiate a debt repayment plan with your credit card company and get your finances back on track. Use them to communicate effectively with your creditors and find a solution that works for both parties.

Template 1: Request for Credit Card Restructuring

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Card Company Name]
[Credit Card Company Address]
[City, State ZIP Code]

Dear Sir/Madam,

I am writing to request a restructuring of my credit card account with your company. Due to [reason for financial difficulty], I am experiencing financial hardship and I am unable to make my payments as scheduled.

I would like to work with you to find a solution that will allow me to repay my debt while still meeting my other financial obligations. I propose that we restructure my credit card account by [details of proposed restructuring plan].

I hope that we can come to an agreement that will be mutually beneficial. Please contact me at [your phone number] or [your email address] to discuss this further.

Thank you for your attention to this matter.

Sincerely,
[Your Name]

Template 2: Proposal for Credit Card Restructuring

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Card Company Name]
[Credit Card Company Address]
[City, State ZIP Code]

Dear Sir/Madam,

I am writing to propose a restructuring of my credit card account with your company. I have fallen behind on my payments due to [reason for financial difficulty] and I am struggling to get back on track.

I propose that we restructure my credit card account by [details of proposed restructuring plan]. This would allow me to make payments that I can afford and would help me to get back on track financially.

I understand that this may not be the best solution for your company, but I hope that we can work together to find a mutually beneficial solution. I am committed to repaying my debt and I believe that this restructuring plan would make that possible.

Please let me know if you have any questions or if you require any additional information from me. I can be reached at [your phone number] or [your email address].

Thank you for your time and attention to this matter.

Sincerely,
[Your Name]

Template 3: Response to Credit Card Restructuring Offer

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Card Company Name]
[Credit Card Company Address]
[City, State ZIP Code]

Dear Sir/Madam,

Thank you for your recent proposal to restructure my credit card account. I appreciate your willingness to work with me to find a solution that will allow me to repay my debt while still meeting my other financial obligations.

After careful consideration of your proposal, I have decided to accept the restructuring plan that you have proposed. I believe that this plan is the best solution for my current financial situation.

I understand that I will need to make regular payments according to the new payment schedule, and I am committed to doing so. I will make every effort to make my payments on time and in full.

Thank you for your assistance in this matter. Please let me know if you require any additional information or if you have any further questions.

Sincerely,
[Your Name]