This is to most respectfully inform you that I am ________ (name) from __________ (company name) and I do hold a credit card _________ (bank account number) in your bank.
I am writing this email with the utmost respect to inform you that I am willing to propose a repayment schedule as _____________ (mention schedule – payment quarterly/ half yearly/ any other: for example – I will be releasing payments every two months) as I am currently going through a financial breakdown. I believe you will accept my proposal as this will be helpful in making payments in an easy manner and result in better cash flow.
This is to request you kindly understand the situation and consider this as a genuine request. Shall be highly obliged for your kind support.
[Digital Signature – if applicable]
____________ (Contact details)