You need to explain to your credit card company why you missed a payment.

**Question:**
You missed your credit card payment due date because you were in the hospital for a week and had no access to your online banking. Write an email to your credit card company’s customer service. In your email:
– Explain why you missed the payment
– Apologize for the delay
– Confirm you have now paid and request removal of any late fees

**Model Answer:**

**To:** customerservice@creditbank.com
**Subject:** Explanation – late payment (Account #4821-9372)

Dear Customer Service Team,

I am writing to explain why my credit card payment for the billing cycle ending March 15th was submitted after the due date, and to respectfully request that any late fees or interest charges be waived.

On March 10th, I was admitted to the hospital emergency room with severe abdominal pain. I underwent emergency surgery on March 11th and remained hospitalized until March 18th. During this time, I had no access to my phone, laptop, or any electronic devices. I was also heavily medicated and not in a condition to manage any financial matters. My payment due date was March 15th, which fell during my hospitalization.

I was discharged on March 18th and made the full payment of $1,250 on March 19th as soon as I regained access to my online banking. I have attached two documents for your reference: first, a letter from my hospital confirming my admission and discharge dates, and second, a screenshot showing that the payment has been processed in full.

I have been a credit card holder with your bank for over seven years. In that time, I have never missed a payment or paid late. My payment history has been flawless, and I hope you will consider this exceptional circumstance as a valid reason for the delay.

I respectfully request that any late fees or interest charges resulting from this late payment be removed from my account. If you need any additional documentation, such as a doctor’s note or medical records, I would be happy to provide them.

Thank you for your understanding and consideration.

Sincerely,
Andrew Foster