Account Analysis
Account Information
Payment history
Balance Status
Statements
Memos
What is the Cardholder's Account
Blank Normal, A- Authorization Prohibited, B- Bankruptcy, C- Closed by Cardholder, E- Revoked perm closed, F- Frozen, due to credit protection claim, I - Deceased, U-Stolen fraudulent activity determined, L- Lost Acct was reported lost or not received.
What are External Statuses
Trust PILOT, Better Business Bureau, Google REVIEWS, CSAT
What is, how we gather customer feedback
The ability to borrow money from a lender or access goods & services with the promise to pay it back later
What is Credit
I lost my job recently and I am struggling
What is the Hardship late fee reversal - when will you see the adjustment? on the next billing statement
They may make a payment on the acct,
They may ask for account info (balance, payment history, etc.)
They may make purchases
Who is the Secondary Cardholder
30, Suspicious Account Activity
44, Returned Email
46, Returned Mail
47, Returned Email & Mail
What are Authorization Prohibited Codes
The most important step of the AAA Strategy
What is the Adhere part of the Strategy
Revolving Credit,
Installment Credit
Open Credit
What are Types Of CREDIT
I had no idea that acct was low on funds again for the 5th time Can you remove this fee?
What is the Returned check fee - and if it shows the max fees have been credited within the last 12 mos. this would be a No.
-it builds trust with the customer
-resolves their issue faster
-avoids callbacks or further escalation
What is -1st call resolution FCR
01, Buyer's Remorse
20, CIT opt Out
97, Closed by Customer
What are Closed Codes
Typically a 580-619 or lower credit score
What is Sub Prime Credit Score
Access to more loans,
Better Terms,
Broader Opportunities
Financial Flexibility
What are the Benefits of Good Credit
Why does it cost for me to add my mama to the card?
What is an authorized user fee ( secondary ch )
Apply, Activate, Adhere
What is the AAA Strategy
25, Returned Payments
75, Closed by Issuer (issuing bank)
What is Revoked Status
Celtic Bank, TBOM The Bank of Missouri
Who are the Issuing Banks
Experian, Equifax, Transunion
What are the 3 Credit Bureau's we report to
I don't want to pay to activate the card (Hint ) FIT
What is the 95 $ Processing Fee, required before activating the card
Can make purchases
Cannot make changes to the account
Cannot request Credit limit increases
What is an Authorized User
Look at the " last change date" under Acct Information & locate the memo that corresponds with that date, which will tell you why the hold was placed and what steps need to be taken to remove it - if possible.
Acct Status Change & What is where we locate the reason an acct changed status & hot to possibly rectify the acct.
Continental Finance Company (CFC) Daily Double
Marketer & Servicer of Credit Cards to consumers with Sub Prime Credit to assist in a rebuilding credit program
28-31 days in duration
What is the Billing Cycle
Is it 5$ or 10$ which one and can you please explain this to me?
What is a cash advance fee for withdrawing cash from the credit line