BB Refresher 2

1. 1. ETC customer is interested in applying for BTI 3.88%p.a 36 months after the 2nd card is approved. Can we still proceed with the application under the new card?

• a. No, the application must be submitted together with the credit card application.

• b. Yes, as long as the application is submitted within 30 days after the 2nd card is approved.

2. 2. Please calculate the available limit for CIP and the monthly repayment amount/any additional fee based on the below information provided below:

Credit limit: RM 7,000.00

Card balance: RM 4,600.00

Overpayment: RM 100

Behavior Score: 680

Rate: 8.88%p.a.

Tenure: 2 years

• a. Available limit: RM 1950, Monthly repayment: RM 88.47,

• 
  b. Available limit: RM 2000, Monthly repayment: RM 98.60, CIP upfront fee: RM 40

• c) Available limit: RM 1900, Monthly repayment: RM 93.23, CIP upfront fee: RM38

• d. Available limit: RM 1000, Monthly repayment: RM 49.07, CIP upfront fee: RM 20

3. 3. If customer took CIP , a 20 days Grace period will be granted on retail transaction provided all the outstanding balance as per the monthly statement of the previous month is fully settled.

• a) True

• b) False

4. 4. Can customer request to change the tenure of approved CIP/BTI ?

• a) Can , raise CPD Helpdesk

• b) No , not allowed

• c) Can , before the first first monthly installment billed

• d) No, provided customer give a written request .

5. 5. ETC customer wants to apply CIP/BTI on the 3rd month of card approved date . What will be the max limit we can offer them ?
   

• a) 60%

• b) 80% or 95% based on lowest BC of the existing card

6. 6. Customer is NTC , < than 6 months, no tagging , what will be the rate we can offer them after 30 days from card approved date ?

• a) 4.88%

• b) 5.88%

• c) 6.88%

• d) 9.88%

7. 7. Can ETC  apply BTI 3.88% UPF for  12 months ?

• a) Can , as long as they apply within 30 days from the card approved date.

• b) Cannot, follow tagging

• c) Cannot , only for bundle application together with CC

8. 8. What will be the CIP rate and max capping for NTC customer on 2nd months to 6th month?

• a) 4.88% capping @ 60%

• b) 5.88% capping follow lowest BS

• c) 5.88% capping @ 60%

• d) board rate capping @ 60%

9. 9. We can inform customer the rate is 3.94% only for 6 months if customer taking BTI 7.88% for 6 months.

• a) True

• b) False

10. 10. What will be the BTI rate and max capping for NTC customer from 2nd months to 6th month?

• a) 4.88 @ 60% capping

• b) 5.88 % @ 60 capping