Your credit card account is ..... arrears, Mr. Smith. You are two months past due and we need a payment from you as soon as possible.

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Your credit card account is ..... arrears, Mr. Smith. You are two months past due and we need a payment from you as soon as possible. (*) on (*) in (*) under (*) out

This is a companion discussion topic for the original entry at https://english.best/questions/17217,your-credit-card-account-is-___-arrears-mr-smith-you-are-two-months-past-due-and-we-need-a-payment-from-you-as-soon-as-possible/