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 4 components when calculating minimum payment?
1% of balance, interest charge, flexible financing offers, late fees
American's Disability Act
What is the percentage available for Cash Advance in an account?
20% of the available balance
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 standard minimum payment amount 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)
How much can a customer withdraw in cash with an available balance of $2400
$480
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 of-
Balance- $37.89
$37.89
How far back can we see transactions in our Transaction Summary screen?
2yrs
When disclosing APR for Cash Advance, what pieces of information do you need to tell the customer?
APR Rate, amount available, fee percentage/$10 min charge, interest accrues daily.
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 new 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
Calculate the minimum payment
Balance- $9,584.55
Interest- $69.37
Overlimit fee- $50
Late fee- $37
Pay Over Time- $32.14
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