COMM 11000 8 Group 1 by

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

peteres_babiak — 2024-01-15 21:30:43 UTC

Ms. Khan handed me the application papers for a 17-year-old applicant who applied for a Visa card. She instructed me to postpone his application until he turns 18 years old. She also provided me with the TD Bank policy. However, upon reviewing the policy, I realized that there is an exception allowing employed 17-year-olds to be eligible for a Visa card.

I can explain this exception to Ms. Khan — the applicant may qualify by completing a supplemental form that requires details about their employer, income, and the guarantor’s employment information. Once this form is completed, the applicant will meet the eligibility requirements to obtain the Visa card. I will contact the applicant to explain this process and ensure it is handled in accordance with TD Bank policy.

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

peteres_babiak — 2024-01-15 21:31:51 UTC

we have to approach polo to keep him with TD, meanwhile I have to build the trust of my manager.

If I say no to Polo might lose the customer and disappointed him, or if I ask him for guarantor he might not have a guarantor.

we have to approach polo clearly, politely and professionally.

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

peteres_babiak — 2024-01-15 21:32:46 UTC

TD Bank does not issue credit cards to anyone under the age of 18. However, there are a few options available that can help Paolo when he becomes eligible. There are exceptions if a parent or guardian agrees to be a guarantor or co-signer for the application. In this case, both Paolo and the guarantor must provide employment information, such as income statements and the guarantor’s job details.

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

peteres_babiak — 2024-01-15 21:33:28 UTC

Message: Paolo's application for a TD VISA credit card cannot be approved at this time because he is under 18, but there are legal and policy approved alternatives available.

Audience: Paolo Juliano, a 17 year old employed who is eager to build his credit

Purpose: To decline the application according to policy while maintaining customer engagement and encouraging future business.

Style: Professional but friendly and encouraging language.

-Politely explain the policy of the bank

-Offer the guarantor option.

-Encourage him to open a student account or reapply at 18.

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

peteres_babiak — 2024-01-15 21:34:12 UTC

My trainer asked me the prepare a response for a 17 year old applicant, Paolo Juliano, who wants to apply for a TD-VISA credit card. After reviewing TD Canada Trust and VISA Credit Card issuing policies specifically and legal regulations it is clear that Paolo does not meet the minimum age requirement to apply independently.