Dear Mr. Kelvin,
Thank you for your application for credit.
We regret to inform you that we are unable to offer you credit at the present time. The references you gave provided conflicting information that made it very difficult to decide in your favor. However, this is only a temporary measure and we will consider your application again in future if you request it.
In the meantime, we will handle your order as usual. To ensure that your order is promptly processed, please include a check together with your order, as you have been doing all along.