APPLICATION HISTORY
What does C59 in Application history stand for?
Decline Reconsider Credit / Bureau Reconsider review for prior credit/bureau related decline reason for applications received during an inbound call or from correspondence
Should I call to develop if I notice, Excessive inquiries on credit bureau? If yes, what would be your question?
Why are you seeking new credit at this time?
Tell me the reason for the number of inquiries on your bureau?
Where can I see when an existing card received a credit line increase?
Comments tab
When do I read the income and employment disclosure?
When updating income
What is the article number for
CLS Dialogue Directory?
Article no. 31145
Judgemental Decline
There are ___ judgmental lending screens in SLD. Name them.
3
Credit bureau summary
Chase relationship
Income and employment
Liability. Relationship to account, what does these letters represent?
Consumer:
Y: N:
Business:
P: J: C:
Consumer:
When asking for income, you must say ___
Gross annual income
What article do I look at if I see only AU trades?
No file / thin file guidelines
Article no. 38156
True or False, HA1 means:
Customer has 4 or more credit cards opened within last two years
False its 5 or more
TRUE OR FALSE
When customer is failing Ability to Pay (ATP), we may not be able to perform CLE
False
What doe "ECI" stand for?
Electronic Commerce Indicator
Total Revolving Debt
$7,032
Gross-up Annual Income
$30,000
What would be the RDI ratio?
24%
What is the biggest step to take when making an outbound call versus Inbound?
Call monitoring disclosure
What is the Queue for when Credit request is submitted?
V11
Fill in Blanks, Non-Store Credit Cards Codes
3=____
4=____
2/5=____
6=____
3 AMEX
4 VISA
2/5 MASTER
6 DISCOVER
What is the min line for the United Gateway card?
$1,000/$5,000
True or False?
"A Community Property state is one in which money earned by parents is considered to be owned equally and may be able to be relied on, when applying for credit."
False
"A Community Property state is one in which money earned by either spouse is considered to be owned equally and may be able to be relied on, by either spouse, when applying for credit."
Fill in the blank...
Sapphire Reserve, Sapphire Preferred, Ink Premier and JPM Reserve are only cards that are ____
Rushed Automatically
Match the description with the right AAC
(HQ)(HT)(HZ)
TOO MANY RECENT REQUESTS FOR CREDIT OR REVIEWS OF YOUR CREDIT(?)
TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED(?)
LACK OF RECENT REVOLVING ACCOUNT INFORMATION(?)
TOO MANY RECENT REQUESTS FOR CREDIT OR REVIEWS OF YOUR CREDIT(HZ)
TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED(HT)
LACK OF RECENT REVOLVING ACCOUNT INFORMATION(HQ)
What card offers this?
Earn 5% cash back on different categories like gas stations, grocery stores (excluding Target® and Walmart®) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
Chase freedom flex
What card has the highest Min Line?
United Club
Name 4 Community Property states
Arizona California Idaho Louisiana Nevada New Mexico Texas Washington Wisconsin
What Article should I go to for scripting when Customer was approved for a lower line than was requested?
Low Line Approvals
Article no. 31705