Ineffective Customer Letter
Analyze the following document on credit terms. There are at least five weakness that make this difficult to read. Revise the letter, make your name the sender and submit to Canvas.
World Bank Credit Services
290 Market Street
Newark, New Jersey 07102
Mr. Michael Chatham
329 Sycamore Street
Pikeville, KY 41605
Dear Mr. Chatham:
This is to inform you that we are changing your World Bank Credit Card Agreement. These changes will be effective for all billing periods that will be beginning on or after the date of February 3.
First, we want to tell you about the change in how the calculation of your APR is done. We are increasing your variable APR (annual percentage rate) for purchases. Your APR will be exactly identical to the U.S. prime rate plus 10.99 percent with a minimum APR of 16.99 percent.
Second, we must make an explanation of how the default APR will change. All of your APRs on all balances may automatically increase to the default APR in the event that you default under any card agreement you have with us because for either of the two following reasons: You do not make the minimum payment when due. You make a payment to us that is not honored.
The default APR takes effect as of the first day of the billing period in which you default. However, every effort will be made to lower the APR for new purchases or cash advances if you are able to meet the terms of all card agreements that you have with us for six billing periods.
To Opt Out
To opt out of these changes, call or write us by the date of March 31. It is absolutely essential for you to include your name, address, and account number in the letter that you write. Should you decide to opt out of these changes, you may use your account under the current terms until the ultimate end of your current membership year or the expiration date on your card. We will close your account at that point in time. You must then repay the balance under the current terms.
Please do not hesitate to take advantage of your World Card revolving line of credit and all the benefits and services we offer you.
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