Dear

My next [specify] payment will be due on

Due to an unexpected emergency that has occurred, I will
be unable to make this payment by the [date] I am
requesting an extension of [time] to make this payment.

If you review my file, I believe you will find that my
payments have generally been made in a timely fashion.
My relationship with your bank is very important to me,
as well as my desire to maintain a good credit rating.

Thank you very much for your consideration of this request.

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