As you may or may not know, I work in a specialist unit in
the Call Center for a bank in the Northern Kentucky area. My coworkers and I frequently lament the
credit application process. I do
understand the business needs of checking things like FICO scores, fraud
notifications and credit bureau information matches. However if we had our way we would like to
add our own “test” to the process. It
would look something like this:
1.)
Sally neglected to read the Terms and Conditions
when she bought “Bohemian Butt Lift Cream and Gel Kit.” Since she did not read
them, Sally does not have to abide by the Terms and Conditions.
True or False?
2.)
Joe participates in a transaction with “Junk In
The Trunk” auto repair shop. Joe
provides his credit card number to "Junk In The Trunk" for this transaction. Who is responsible for the fact that the charge
then appears on Joe’s credit card statement?
a.
Joe
b.
Joe’s Credit Card Company
c.
The call center customer service representative
(let’s call her “Ann” ) at Joe’s credit card company.
3.)
Francis’ due date on her credit card is
9/15/14. What is the very last date that
Francis can pay her minimum due on that credit card without receiving a late
fee?
a.
9/13/14
b.
9/15/14
c.
It doesn’t matter because Francis has been with
the bank/store for 135 years
d.
9/16/14
e.
Whenever Francis remembers to pay
4.)
5+5=
a.
5
b.
10
c.
0
d.
It doesn’t matter, I’m not paying this bill, I
am calling MY LAWYER!!
5.)
Horace sees a Free Trial offer on his TV and or
Internet. This offer is truly free and
he doesn’t need to cancel it or return it within a certain time frame in order
to avoid further charges. SO MANY THINGS
ARE FREE!!!!
True or False?
6.)
Being a belligerent screaming ass hole gets you
further than being patient and understanding.
True or False?
7.)
Jack Sparrow buys a boat online and pays for it
with his credit card rather than with cash.
That boat is going to be delivered to his dock within 45 days. The charge should appear on his credit card
statement:
a.
The day Jack’s boat docks in 45 days
b.
The day Jack first purchases the boat (like if he had paid cash, see?)
c.
The day Jack first sails the boat
d.
The day Jack first drinks rum on his boat,
provided it is a sunny day
8.)
Ralphie has a charge on his card that he doesn’t
think is his. The merchant is in his
home town, it is at a merchant he usually shops with and it transacted on a day
he was visiting that store. However,
Ralphie doesn’t ever use THIS credit card at THAT store and he states there is
no way he would make a mistake and use the wrong card. Ralphie
did not make that charge.
True or False?
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