Credit Hold Warning Email for Overdue Accounts

A credit hold warning is your strongest business tool before formal collections. Use this template to clearly notify clients that continued nonpayment will suspend credit terms unless payment or a confirmed date is provided.

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Full multi-email sequence plus templates and variations.

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When to use / when to send

Checklist / what to include

Invoice #{{InvoiceNumber}} and {{Amount}} outstanding
Original due date {{DueDate}}
Clear statement: account will be put on credit hold if unresolved
Pay link {{PayLink}}
Final reply-by date {{ReplyByDate}} for action

How to use

Copy/paste template

Hi {{Name}},

Invoice #{{InvoiceNumber}} for {{Amount}} remains unpaid as of {{DueDate}}.

Unless payment is received or you provide a confirmed payment date by {{ReplyByDate}}, we will need to place your account on credit hold. This means no new orders or services until the overdue balance is cleared.

You can pay here: {{PayLink}}.

Thank you,
{{YourName}}
{{Company}}

Follow-up plan + common mistakes

If they promise a date, confirm it back and document it
If the date is missed, activate the hold immediately
Don’t threaten credit hold repeatedly—enforce after your deadline
Only lift the hold after overdue payment is received or scheduled with proof
Don’t delay escalation if ignored

FAQ

Yes, it pauses all new orders and services, which usually triggers a serious response. Use only if you’re willing to enforce it.