sour patch kids
What does BSI stand for?
Balance Subject Interest
What does DPR stand for?
Daily Periodic Rate
t/f> is interest accrued daily
yes/true
What does APR stand for?
Annual Percentage Rate
Finish the statement:
When in doubt, you should...
link it out ;)
whose favorite movie is narnia?
Kaiya
T/F> does balance transfers earn CBB?
no/false
Where is the interest charge summary located?
f3 statements tab
Can the Auth user request changes to the APR?
No the AU can not request APR changes/reinstatements
Whose favorite movie is lilo and stitch?
priscilla ;)
What is the navigation for APR on the mobile app?
You can view your APR on your statement in a few easy steps:
1. Select “Activity”
2. Tap “View Statements”
3. Select a statement
4. Scroll to “Interest Charge Calculation”
What is the information for how the IT card works?
With the Discover it card, you earn Cashback Bonus on every purchase. Here’s how:
5% cash back on purchases at different places each quarter on up to $1,500 in purchases – activation is easy > 1% cash back on all other purchases
What does the "FUTURE" status mean for a APR?
Future – Targeted and mailed, future effective start date.
How long does the refer a friend timeframe take (not including Miles)
It takes up to 2 billing cycles to get your statement credit for referring a friend. This happens if xNamex is approved and used the link you sent to apply.
What is the navigation for APR on the WEB?
You can find your APR on the PDF version of your statement. Simply click ‘Activity’ at the top of the page and then ‘Activity & Statements’. From there, select your current statement in the ‘Select Activity or Statement Period’ section and then ‘View Billing Statement PDF’. You’ll see your APR in the ‘Interest Charge Calculation’ section.
What does the following memo mean:
Targeted customers are sent Promo APR Offers via email, and the customer must enroll in the offer via the link within the email.
What is the define for Prime Rate?
We calculate variable rates based on the Prime Rate; we use the highest U.S. Prime Rate listed in the online The Wall Street Journal (www.wsj.com) on the last business day of the month If you have a variable APR, it will increase or decrease based on the Prime Rate.
How could you probe with a cm who is looking for an APR reduction?
There are different ways we can help you to pay less interest, based on how you plan to use your account. Could you share a bit more about why you were looking for a lower APR today?
Cm is asking for a reduction on APR for the current balance, how do you handle the call?
Say this to the cm>I’m not able to lower your interest rate on an existing balance, but there may be other ways we can help. Would you mind sharing why you’re looking to get your rate lowered?
friendly, kind, direct
How should you disclose the specific rate balance if the cm has multiple rates on the account?
Your balance under xPromotional/Introductoryx xRate% expiring on xDatex is $xAmountx and your xPromotional/Introductoryx xRate% expiring on xDatex is $xAmountx. The balance(s) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments or credits to your account balance.
A cm asks you how is APR determined what do you tell them?
There are many factors that we use to determine an appropriate APR for each customer but common factors are your payment history and credit score.
A cm asks how can I pay less interest what do you tell them?
To pay less interest, keep these things in mind:
Make your payment before the due date. Paying earlier lowers your average daily balance, which is what we use to calculate interest. Make larger or multiple payments. This also lowers the average daily balance that is used to calculate interest. Anything you pay over the minimum amount due usually pays down the balance with the highest APR first.
How should you disclose the BT APR?
Your balance transfer rate of xRatex% expires xDatex. Upon expiration, the remaining balance will be subject to your standard annual percentage rate (APR) xRatex% variable.
What should you tell the cm who wants a lower interest rate, but they are not eligible due to delinquent status?
Once your payment posts and your account is current, we can review to see if a lower annual percentage rate (APR) is available.
short and sweet is the key
How should you disclose information on the account if the cm has a BT and a promo offer?
Your xRatex% promotional purchase rate expires on xDatex. Your xRatex% balance transfer rate expires on xDatex. After your promotional rate expires, your standard purchase APR applies, currently xRatex% (variable).