Confirmation
Once you complete a payment do you give the client the confirmation number?
Teammates do not need to proactively provide a confirmation number since the transaction can be located in the future by searching for the client's account in TPOT.
If you see a temp block in client central and decline transaction with the response reason being card watch what status is on the client account?
CW suspicious acitvity
How can a client receive a cash interest charge?
Overdraft protection
Cash advance
TRUE OR FALSE: Client is redeeming $125 for a statement credit to their $500 balance and doesn't need to make a payment.
False. Statement Credits do not replace Minimum Payment Due, so unless the balance is being paid, the client must be told that they still need to make at least their Minimum Payment.
Transaction is decline with the response reason being "Bad PIN" what could be the reason and fix?
The client entered the incorrect PIN.
Offer PIN options if applicable:
What information is required to ensure a confirmation is delivered to the client when making a payment?
Email and mailing address of the person making the payment
Client has an RM status on the account. What does that mean?
Indicates that mail sent to the customer has been returned to the client.
Client has a Cash enjoy unsecured credit and received a Balance transfer interest charge, but they have a promotion why?
Cash Enjoy offers 0% intro APR on purchases for 12 months after account opening
True or False: HSTI cards can redeem rewards for a check.
False.
Fiserv Converted - Consumer
Cash Redemption Options:
Transaction is being declined with the response reason "Not Enough Available Money" what is the reason and fix?
Authorization exceeds available credit.
What information should be provided when a third party makes a payment for authentication?
The caller must be able to provide the following prior to authorizing payment to the account:
What is an RD account status?
Indicates that cards will not be reissued after the current cards on an account expire.
Client paid off their full balance on the due date but still received an interest charge. What could have happened?
Client has revolved their balance (carried a balance into a new statement cycle), there will be a residual finance charge on their statement following the month they paid the balance in full because the total balance on the statement was only as of that day, and finance charges accrue daily.
Client is redeem rewards into their Essential checking with a balance of $65,000 this their only account what would be their loyalty cash bonus percentage?
10%
Transaction is being declined with the response reason being "TRIAD Past Due" what is the reason and fix?
The card is currently past due.
When changing a client billing delivery what information should be confirmed?
Paper statements- Mailing address
Paperless statements- Email address
You see a SF, and BC status on the account what should be you next step?
Warm transfer to CFS
What balance has the highest apr?
Cash Advance balance
Client is redeeming rewards into their Truist Dimension Checking with a balance of $55,000. Client also have a Investment account with $50,000. What should be their loyalty bonus percentage?
50%
Transaction is being declined with the response reason being "Duplicate ATC" what is the reason and fix?
Duplicate contactless authorization requests.
Decline Sequential Duplicate ATC Values.
When completing a credit limit increase what do you need to confirm?
Age
Current ID information
Income information for all borrowers.
The email and/or mailing address in the Client Notification section.
What is a PD 031-060 status on the account and the client wants to make a payment what is your next step?
Warm transfer the client to the Collections department.
Client with a Enjoy beyond received an interest charge on their first statement and thinks it mistake because of their intro promo. What should you tell the client?
Intro offer 30,000 bonus points after you spend $1,500 within 90 days of account opening.
Client is redeeming rewards into their Truist One Checking with $10,000. Client also have a money market with $6,000, and a Ready now line with 10,000. What is the loyalty bonus percentage?
20%
Transaction is being decline with the response reason being "Checking or Savings Not Allowed" what is the reason and fix?
Invalid account type (checking or savings) selected at the ATM.
Cash (for Advance) or Credit must be selected for advance from the credit card.