1. Write the reason for application first, for example: We are well aware of the importance of credit cards to individuals and businesses, but in the current economic situation, we are facing some unforeseen economic pressures. Due to force majeure such as the epidemic, our operations and income have been severely affected. In order to get through this difficult time, we urgently need your support and help.

2. Next step is to write a request for reduction or exemption, for example: We request that you can consider granting us the following reduction or exemption: Reduce credit card interest rate: We hope that you can reduce our credit card interest rate to reduce our financial pressure. Extend the repayment period: Since our income has been affected, we want to be able to extend the repayment period so that we have enough time to pay off the credit card debt. Reduction of late payment fees and penalty interest: We also hope to be able to reduce late payment fees and penalty interest to reduce our financial burden.

3. Then write a commitment and guarantee, for example: We promise to resume normal operations and income as soon as possible so that we can pay off the credit card debt as soon as possible. At the same time, we promise to actively cooperate with your work and comply with relevant regulations and requirements.

4. Finally, write the ending, for example: Here, we again request that you can provide us with certain exemptions and support. We believe that with your help, we will be able to tide over the difficulties and resume normal operations and income. Thanks!