Us: Hello (name of client) its _____ from Fit in 42. We were just notified from our billing company that your credit card has been either been declined or may have fraudulent charges.
I just wanted to make you aware of this just in case you have other bills connected to this card.
Client: (Usually in some sort of shock or giving reasons why this may have happened)
Us: OK like I said I wanted to make you aware of this, but in the meantime is there another card you’d like to put on file so you don’t fall behind on your membership?