I am writing on behalf of {Name}, who is applying for a credit card for the first time. Since {Name} is starting out {his/her} account with {no history, debt, etc.}, I would like to attest, as {his/her} {teacher, mentor, parent, friend, pastor, etc.} of {number} years, to {his/her} responsible nature and trustworthiness.
{Name} is starting off with some debt because {he/she} is still paying off {student loans, mortgage, car payments, etc.}. {He/she} has always been prompt with payments when they are due and is currently working full time to keep up. {Name} does an amazing job of juggling work, {activities} and family and is always on-time with payments. {He/she} is incredibly responsible with money. I have seen {him/her} {specific example of thriftiness, prudence or sacrifice}.
{Name} already admirably handles the numerous duties such as {duty 1} and {duty 2}. I know that {he/she} is well-suited to this new responsibility as well. Thank you for your time and consideration.
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