Picture this. You’re excited to take sewing classes at a local community college. But a week before the start of class, you are told by the company where you purchased the classes that your registration is void. They tell you that they will credit you the $99 you paid, and if you choose, you could request a full refund.

You don’t see any other course/class you would like to use the credit on, so you decide to request for the money back. You’re stumped for what you should say in your message. You want to convey assertiveness and respect.

Here are some options you can use:

Requesting a Refund

Dear [Company Name],
I hope this email finds you well. I am writing to request a refund for [product/service name].

Option 1: [Unfortunately, I have encountered some issues with the [product/service name] and it has not met my expectations.]

Option 2: [Unfortunately, due to an error on your part, I was unable to participate in [product/service name]].

I purchased the [product/service name] on [purchase date] from [purchase location/online platform]. The order number is [order number]. I have included a copy of the receipt for your reference.

Option 1: The issue I have encountered is [provide a brief explanation of the issue]. Despite my attempts to resolve the issue, I have been unable to do so and I believe that a refund is the only viable solution.

Option 2: The reason for my request is [provide reason for request]. [Include any relevant details or circumstances].
I understand that you have a [refund policy/procedure], and I would appreciate it if you could process my request as soon as possible. I have attached all the relevant documentation and information to this email, and I would be happy to provide additional information if necessary.
Thank you for your time and attention to this matter. I look forward to hearing back from you soon.

Sincerely,
[Your Name]

Lowering Interest Rate

Hello, my name is [Your Name] and I am a [card type, ex: Platinum] cardholder with [Credit Card Company Name]. I have been a loyal customer for [time period, ex: several years] and have always made my payments on time.

I am calling today because I am interested in lowering my interest rate. I have recently received offers from other credit card companies with lower rates, and I would like to see if [Credit Card Company Name] can match or beat their offer.

I understand that you have the ability to adjust my interest rate based on my credit history and payment behavior. I have always been responsible with my credit card and have a good payment history. I believe that I am a valuable customer and I would like to continue using my [Credit Card Company Name] card for all my purchases.

Is there any way that you can lower my interest rate to [desired interest rate]? I would appreciate your assistance in this matter.

Thank you for your time and consideration. I look forward to hearing back from you soon.

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