How Do You Have A Frank Discussion Of Weak Financial Risks And Imply The Reason Of Bad Moral Risks, In Credit Refusals?

[B]Imply the reason with bad moral risks:[/B]

If you are refusing the credit because the applicant is a bad moral risk and the applicant has not a good character. It is a very difficult task for you to refusing the reader with the reason. In this case you might choose a roundabout approach.
Example:

You might imply the reason that" since you know your credit reputation, a mere hint should indicate that you also know it"

[B]Frank discussion with weak financial risks:[/B]

Frank discussion is effective with weak financial risks. if you are refusing because your applicant'[s financial is weak. Your task is easy at this time. In this case you can talk with
the applicant frankly. You can talk about the subject more directly. You can also talk more hopefully to the applicant about the granting credit in the future

For example:
"Company can't give you the credit because your financial condition is weak, better luck for next time."

In this example you are using the direct way because the weak financial condition of the applicant does not impact on his/her character.

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