Bank of America issues credit cards to college students. By maintaining low credit limits, BofA limits the nonpayment losses typically attributed to first- time credit card holders

Jenifer Tres, a current cardholder who has exhibited a good payment record, has requested her credit limit be raised from $1000 to $5.000, noting she needs the higher limit to support the travel expenses inherent in her internship position with a national public relations firm, 

As manager of the credit department at your branch, you unfortunately can only increase the limit to $1.500. Prepare a letter informing Jenifer of your decision. Suggest she take advantage of the company's website to monitor her balance and schedule bi-monthly payments directly from her checking account since doing so may allow you to raise her credit limit in the future. Make up the addresses and whatever details you need to complete and strategize this negative message. Do not use language taken directly from the prompt.