CREDIT CARDS
List 3 categories of cards that Advia offers.
What are Fixed, Rewards and Business cards?
The MBP deductible amount.
What is $0.00
Name a state in our field of membership that is a Martial Property state.
What is Wisconsin?
Member's ID required on LOS application
What is the new stipulation added as of 5/3?
AA
What is Auto Approval?
Name the Rewards Card Advantages.
What is 3% back on dining/delivery, 2% back on gas/grocery and 1% back on all other purchases.
State the timeframe a member can add Debt Protection to their loan.
Name a type of account at Advia that CANNOT be used for a Share Secured loan.
What is IRA funds or IRA CD's?
$3500 allowed
What is the new tolerance amount for Consumer and Business auto loans and Recreational loans?
BK
What is bankruptcy?
Name the age at which someone can become an Authorized Signer on a credit card.
What is 13?
$0.00 deductible, Nationwide coverage, 24hr/365 roadside service, Trip interruption, towing/rental allowance, battery assistance, flat tire assistance, simple claims, enhanced electronics package.
What are the benefits of having MBP?
Name the type of loan that DOES NOT need to be listed on the Business Aggregate Worksheet.
What is Credit Card?
84% or less
What is the OFAC score you can bypass with manager's approval?
GMI
What is Gross Monthly Income?
What is 3% of the outstanding balance or $10, whichever is greater
How much is GAP Advantage Credit, and when is it applied?
What is $1000, and applied to your new loan within 90 days after the replacement vehicle is financed?
What is Advia Credit Union #2086, PO Box 4550, Sioux City, IA 51104?
List 2 examples of why LOS would populate the default rate of 25%.
What is vehicle year not entered?
What is Term not entered?
What is member doesn't qualify for term entered?
NDI and where do you find in LOS application
What is Net Disposable Income and found on UW page under Aggregates and Ratios section?
Explain how to get entered for the $3k Giveaway running from 4-1 thru 6-30.
What is Member must use their card at home improvement store.
List all 3 Debt Protection levels and summarize what they cover.
What is Gold: Involuntary unemployment, Disability and Life coverage?
What is Silver: Disability and Life coverage?
What is Bronze: Life coverage?
List the 5 Income Insight categories.
What is Not Validated?
What is Validated?
What is Income supported?
What is Income supported, but POI required?
What is Not Applicable?
Name the 2 approval stipulations used in LOS.
What is the Red Flag - Fraud Alert is present on borrower's credit report?
What is the Visa stipulation, member can only have one Advia Visa- please explain?
IDL
What is Indirect Lending?