Flip the Script! | RATES ... how many can read them? | Are you a product specialist? | Citizen or nah? | Are you Regulated |
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ECPR offer
When applying for a Credit Card, what situation do you HAVE to read the script in its entirety?
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APY
When a customer is asking how much money they'll earn which rate do you quote APR or APY
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upgrade the ATM in sales platform
If a customer has an ATM card and wants a debit card what do you do?
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secured card & savings/cd secured products
Whichh credit products can a non-resident/non-US citizen apply for
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Regulation D and 6
What regulation limit certain withdrawals and transfers from Savings accounts and what is the limit?
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California
If a customer is out of territory, what state do we house their account in?
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interest rate
When calculating how much interest is earned on an account (CD). Do you enter the interest rate amount or the APY amount in the calculator
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64
How many days do we waive the monthly service fees for checking and savings
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non-resident alien
If a customer is here on a work visa or student visa, what is there residency status
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Regulation Z: Truth in Lending Act
We have to say Annual Percentage Rate before using the acronym APR because of
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PLL: 7-10 calendar days / CC: 5-7 business days
How long does it take for a customer to receive their decline letter for a personal loan and for a credit card?
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120 days
How many days after a credit card is opened does a customer have to do a bal xfr at the promotional rate?
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there isn't one
What is the age limit restriction for authorized users?
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yes
Is a resident alien a permanent resident
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Any fees imposed on deposit accounts
Interest rate paid Annual Percentage Yield (APY) Any other terms that apply (e.g., minimum balance requirements, transaction limits, etc.)
What all do we have to cover to satisfy Regulation DD
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5 -7 business
How long does it take customers to receive the new deposit welcome kit in the mail?
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promotional rate, go-to/standard rate, balance transfer promotional fee, standard balance transfer fee
In what order do you quote the interest rate for a credit card to a customer? (the order in which you quote)
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Louisiana
What state can we NOT do an auto loan if the vehicle will be registered there
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refer them to the branch
If a customer doesn't have a citizenship because they are a refugee, what do you do
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Unfair, Deceptive, or Abusive Acts or Practices
What does UDAAP stands for
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For example: Canada, France, Mexico, or United States.
When asking for citizenship, the customer says America. What do you do/say?
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read a different script entirely under private party auto loan purchase
You quote the rate for a dealership purchase3 auto loan, the customer also wants the rate for a private party purchase auto loan ...do you read the duplicate requests only recap script or read different script entirely
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$5,000
When transferring from single to joint accounts (or vice versa), What is the dollar amount limit that you can transfer? (that includes over the phone transfers and new account opening transfers)
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type 000-00-0001 in the ssn field and in the Comments to Underwriter field, type "Default SSN" and include a secondary identification piece
When a non-resident alien is applying for a secured card and doesn't have a social security number, what do you enter on the application
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if the rate is variable
Per Regulation Z, what do you have to disclose about an APR
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