Missing a credit card payment can feel overwhelming, but it’s important to remember that one mistake doesn’t define your financial future. In fact, many lenders are willing to give you a second chance — especially if you reach out the right way.
One of the most effective tools you can use is a goodwill letter. It’s a simple, polite request asking your credit card company to forgive a late payment and, in some cases, even remove it from your credit report. Below, you’ll find three free, ready-to-use templates you can customize and send today. Each one is designed to sound honest, respectful, and professional — giving you the best chance at a positive outcome.
1. Friendly and Honest Goodwill Letter
Subject: Request for Goodwill Adjustment on Late Payment
Dear [Credit Card Company Name] Team,
I hope this message finds you well. I’m reaching out to sincerely apologize for missing a recent payment on my account ([Account Number]). It was never my intention to miss a payment, and I take full responsibility for the mistake.
Throughout my time as a customer, I’ve worked hard to maintain a positive payment history. This recent slip-up is not a reflection of how seriously I take my financial commitments.
Given my record, I kindly ask if you would consider making a one-time goodwill adjustment to remove the late payment from my credit report. I’ve already taken steps to prevent this from happening again and deeply appreciate your time and consideration.
Thank you so much for your help!
Sincerely,
[Your Full Name]
[Your Address]
[Your Phone Number]
[Your Email Address]
2. Professional and Brief Goodwill Letter
Subject: Goodwill Adjustment Request for Late Payment
Dear [Credit Card Company Name] Customer Support,
I’m writing regarding my account ([Account Number]) to respectfully request a goodwill adjustment related to a late payment reported on [Date].
Due to [brief reason — for example, a temporary financial difficulty], I was unable to make the payment on time. I have since paid the outstanding balance and taken steps to ensure all future payments are on schedule.
As a loyal customer with an otherwise strong payment record, I would greatly appreciate your consideration in removing this late payment as a one-time courtesy.
Thank you very much for your time and assistance.
Sincerely,
[Your Full Name]
3. Apologetic and Detailed Goodwill Letter
Subject: Request to Remove Late Payment from Credit Report
Dear [Credit Card Company Name],
I hope you’re doing well. I’m contacting you about my account ([Account Number]) regarding a late payment recorded on [Date].
This situation occurred due to [brief explanation — for example, an unexpected personal emergency], and it was never my intention to fall behind. I’ve since made the payment in full and have put systems in place, like automatic payments, to make sure this doesn’t happen again.
Before this incident, my payment history with [Credit Card Company Name] had been excellent, and I truly value the relationship we have built. I kindly ask if you would consider removing the late payment from my credit report as a goodwill gesture.
Thank you for considering my request. I look forward to continuing to be a responsible and loyal customer.
Sincerely,
[Your Full Name]
[Your Contact Information]
Final Thoughts
A missed payment doesn’t have to leave a lasting mark on your credit.
By taking action early and reaching out with a goodwill letter, you give yourself a real chance to move forward with confidence.
Stay proactive, stay positive, and remember — one mistake doesn’t define your financial journey.
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