PIAT 1
What is the name of the server or application you use to access accounts?
First Assist
What are the 3 options for Card Replacement?
Damage, Lost/Stolen, Did Not Receive
What are the main 3 components when calculating minimum payment?
1% of balance, interest charge, late fees
American's Disability Act
What 2 factors make up the value of a customer's APR ?
The sum of the Daily Prime Rate and the Margin
What is the name of our mainframe server that we use to see information in our "back end" ?
C3 or TSYS
When doing a CBR, what 2 methods can the customer get their money?
Check in the mail, electronic deposit via email procedure
What is the minimum payment when the amount calculated is less than $40 but the balance in the account is higher than $40?
$40
Which server/application do we use to see customer's statements? *need full name*
Enterprise Image Viewer (EIV)
What is the terminology called when an account gets paid in full but there is still interest at the end of the cycle?
Residual Interest
Which top 3 pieces of information we can gather from a customer to find their account?
Card number, SSN, telephone #
What are the 3 statuses of a CLI?
Approved, Pending, Declined
Calculate the minimum payment on a statement balance of $37.89
$37.89
How far back can we see transactions in our Transaction Summary screen?
2yrs
DOUBLE JEOPARDY!!!!
What is the 4th factor that can raise the minimum payment besides the usual 3 components?
Flexible Financing Offers
When asking a customer's name, what is that called?
Identification
During a CLI, what 4 questions do we ask our customer that are required?
Gross annual income, non-taxable amounts, employment status, monthly housing payment
$104Calculate the minimum payment
Balance- $5,583.64
Interest- $48.62
Late fee- $0
$104
What are the 3 options a customer has to get their statements?
Mail, Fax, online
What is the Daily Interest Rate (DIR) of a purchase APR of 28.49% ?
0.07805 OR 0.0781
After obtaining a customer's name, what is the next question we ask based on our Standard Work Instruction sheet?
Reason of the call
When removing an AU, what pieces of information do we want to remind the customer?
AU's credit card still active, AU's credit tradeline will remain unless they call us to remove it
Calculate the minimum payment
Balance- $9,584.55
Interest- $69.37
Overlimit fee- $50
Late fee- $37
Pay Over Time- $32.14
$234
What are 4 of our 6 fee removal options?
Standard, Disaster, Pay In Full, Misinformation, System Error, Undeclared
What is the residual interest on a balance of $6,589.55 at an APR of 27.49% that was paid 17 days after cycle opened?
$84.37