Official Course Description:   MCCCD Approval:  05/25/99
AMX106      19996-99999	LEC	3 Credit(s)	3 Period(s)
Credit Basics
Overview of credit card operations. Roles and duties of the credit analyst working in the credit card industry including factors to evaluate credit eligibility and collections. Identification of customer services and options, credit account management and federal regulations covered. Prerequisites: None.

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MCCCD Official Course Competencies:
AMX106   19996-99999	Credit Basics

1.	Identify the terms and conditions of a customer agreement. (I)
2.	Differentiate between basic and additional customers. (II)
3.	Interpret account numbers. (II)
4.	Identify products and services for government and corporate customers. (III)
5.	Identify products and services for consumer card holders. (IV)
6.	Differentiate between a charge card and a credit card. (V)
7.	Identify departments that the credit analyst interfaces with. (VI)
8.	Explain the role of the credit analyst. (VII)
9.	Identify acts and regulations that impact the credit card industry. (VIII)
10.	Summarize components of client credit account management. (IX)
11.	Summarize components in customer policy. (X)
12.	Summarize components of account management. (XI)
13.	Summarize components in collections. (XII)

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MCCCD Official Course Outline:
AMX106   19996-99999	Credit Basics

I. Customer Agreement A. Using the Card B. Paying for Charges C. Billing Errors D. Accepting the Customer Agreement E. Delinquency Assessments F. Dishonored Checks G. Changing H. Terminating II. Customers A. Basic B. Additional C. Account Numbers III. Corporate and Government A. Products and Services 1. Government 2. Small Business 3. Middle Market 4. Large Market B. Executive Corporate Card IV. Consumer Card A. Criteria B. Fees C. Types D. Benefits and Services V. Charge Card Vs. Credit Card A. Spending Limit B. Payment Terms C. Card Fees D. Finance Charges VI. Other Departments A. Authorizations B. Card Replacement Unit C. Telephone Service Center D. Customer Service E. Fraud Inspectors F. Credit Bureau Unit VII. Credit Analyst's Role VIII. Federal Legislation A. Acts B. Regulations C. Telephone Dunning IX. Credit Account Management A. Corporate Card Fees 1. Policy 2. Criteria 3. Compliance 4. Authority Levels B. Verification of Corporate Assets 1. Policy 2. Criteria 3. Compliance C. Corporate Address Change 1. Policy 2. Criteria 3. Compliance D. Additional Customer to Basic Transfer 1. Policy 2. Criteria 3. Compliance E. Pooling 1. Policy 2. Authority Levels F. Waivers 1. Policy 2. Criteria G. Corporate Bankruptcy 1. Policy 2. Compliance H. Corporate Account Cancellation 1. Policy 2. Criteria 3. Compliance 4. Authority Levels I. Selective Liability to Limited Conversion 1. Policy 2. Criteria X. Customer Policy A. Customer Address Changes B. Personal Emergency Policy C. Account Aging Criteria/Forgiveness Amount XI. Account Management A. Adjustments of Delinquency Assessments B. Miscellaneous Fee Adjustments. C. Petty Balance Adjustments D. Returned Check Adjustments E. Federal Regulations 1. Equal Credit Opportunity Act 2. Fair Credit Reporting Act 3. Fair Debt Collection Practices Act 4. Truth-in-Lending Act 5. Fair Credit Billing Act 6. Electronic Funds Act 7. Bank Secrecy Act F. Credit Operations Dunning Policy G. Guiding Principles/Restrictions H. Dunning Frequency I. Seeking Location Information J. Prohibited Practices K. Actioning Customers L. Decisioning Customers M. Special Review Coded Customers N. ATM Funds Access O. Reduced Payment Arrangements for Uncanceled Customers P. Corporate Guaranty of Payment Agreement Q. Terminated Employee Cancellation R. Additional Card Cancellation S. Bankruptcy - Individual Customer 1. Pending 2. Confirmed T. Banking Information U. Identifying a Customer V. Reinstatement Processing Fee W. Authority Levels XII. Collections A. Customer Collection Reinstatement B. Credit Bureau Reporting C. CR/AR Processing D. Consumer Credit Counseling Services E. Returned Checks F. Deceased Customer G. Deceased Reinstatement H. Final Demand Letters I. Partial Payment Arrangements for Canceled Customers J. Settlements for Uncollectable Customer Indebtedness K. Write-off

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