Credit Cards
This type of Credit Card lets you earn rewards while building your credit.
What is the nRewards Secured Credit Card?
The maximum number of collateral pieces that may be used to secure a loan.
What is one?
By asking this type of question, the member must offer more information, helping you determine the member's true need.
What are open-ended questions?
You must verify this for all calls.
What is the member's full name?
With High Risk Transactions MSR's should be on the lookout for these and add a Suspicious Person alert if necessary.
What are red flags?
The maximum number of NFCU credit cards a member can be the primary holder on.
What is three?
Mobile homes, vehicle downpayment, timeshares, and investments are some examples of this?
What is "Unacceptable Loan Purposes"
Acknowledging what the member is sharing and responding appropriately is showing this.
What is empathy?
Social Security Numbers, dates of birth, contact information, and driver's license number are examples of this, and it should never be verbally provided to a caller.
What is personal identifying information?
This tool can help you determine what type of Additional ID must be obtained for certain transaction types.
What is the High Risk Wizard?
This credit card has no rewards program.
What is the Platinum Card?
As the name suggests you need to access this prior to opening MICL to begin an application.
What is "Before Starting the Application (USD Checklist)"?
Redirecting, paraphrasing, and politely closing the call are all examples of this Call Essential.
What is Call Control?
Any party joining the call after the initial notification must have this read to them before continuing with the call.
What is the Third Party Disclosure?
This is required for all high-risk transactions where neither a codeword nor the High Risk Verified indicator are present.
What is One Time Passcode (OTP)?
The maximum number of authorized users and primary cardholder can add to their credit card.
What is four?
As an adverb it means "In exactly the same words as were used originally". As adjective it means "copied, quotes, or translated in exactly the same words as were used originally".
What is "verbatim"?
If you do not receive a response from the caller or they are unable to hear you, you must leave this type of note stating there was dead air and the call was disconnected.
What is a 90-Day member level note?
If an account did not populate you must verify these after looking up the account but before giving any information or taking any action.
What are Member name, Date of Birth, and last four of SSN?
The maximum number of times One-Time Passcode can be sent per call.
What is two?
The maximum total credit limit Primary Cardholders can have between a maximum of three cards.
What is $80,000?
Navy Federal's Guaranteed Asset Protection (GAP) pays up to this amount towards and insurance deductible.
What is $1000?
You must notify a member of both of these before transferring the call to another section.
What are "approximate hold time" and "you may be asked to identify yourself again."?
If present, this should only be verified if an alert comment to always ask is present or a High Risk transaction is requested.
What is codeword?
The maximum number of hints you can give a member for Codeword Guidance.
What is one?