COMM 11000 8 Group 2 by

F – Find out the problem: clarify and define the details of specific communication challenge

peteres_babiak — 2024-01-15 21:36:27 UTC

-Paolo is legally underage (17) for an independent credit card.

-TD and VISA do not issue credit cards to minors without a co-signer.

-His birthday is in 10 months, so he is close to eligibility.

-You do not want to risk upsetting the applicant, as your trainer has stated that they "want to keep them on the line."

-You are given a short period of time to come to a solution. It must meet the company's polices and trainer's expectations.

A – Ask, ‘What is a stake?’ = apply 5Ws + How to assess risk of and from miscommunication in specific challenge

peteres_babiak — 2024-01-15 21:36:27 UTC

-This is your first impression, your trainer is evaluating you. A good impression can influence whether you're offered a full time job after the internship.

-TD could lose a potential applicant

C – Consider resources and Generate solutions = What needs to be known or learned to address challenge successfully?

peteres_babiak — 2024-01-15 21:36:27 UTC

A resource to consider would be the document your trainer had handed you. What needs to be known is the company policy and legal requirements for issuing a credit card, and you need to be 18 or have a guardian agree to be a guarantor and co-sign the applicant. You also need to know Paolo's situation.

E – Evaluate (possible) solutions = evaluate considered options with MAPS: message, audience, purpose, style

peteres_babiak — 2024-01-15 21:36:27 UTC

-M: Paolo can still get a credit card with a parent/guardian co-signer.

-A: Paolo is 17 with a job and desires to build credit.

-P: Offer Paolo a practical path that keeps him engaged and helps him reach his goal sooner.

-S: Write in a supportive and informative tone. and really undermine the responsibility and opportunity that comes with owning a credit card.

D – Draft and Deliver solution = revision, editing, proofreading, timeline considerations

peteres_babiak — 2025-09-11 17:29:54 UTC

Dear Mr.Juliano,

Thank you for your application for a TD-VISA credit card.

Currently TDCanadaTrust policy requires credit card applicants to be at least 18 years of age. As you are currently 17, we are unable to approve of your application independently.

However, you are still eligible for a credit card if you apply with a parent/guardian co-signer. Or if you wait until you're 18 in, you will be eligible to apply independently.

We are excited about your journey and look forward to supporting you through your financial endeavor. Please do not hesitate if you have any questions or concerns.

best regards,

Group 2