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2 Credit Card Collections Decision Table Exercise I You have completed interviewing users in the credit card collections unit and have discovered their area deals

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2 Credit Card Collections Decision Table Exercise I You have completed interviewing users in the credit card collections unit and have discovered their area deals with collecting on delinquent credit card accounts. Sometimes, delinquent credit card customers caranot pay the fiall monthly payment so the user may negotiate with the customer to pay less each month over a longer time period. The customer makes an offer (how much they will pay each month) and then users need to decide which offers get approved, denied or counter-offered You also discovered the users use a software package called ADE (automatic decision engine) to help them. Several factors determine the outcome of the offer. For instance, if the debt owed is over $5000 ADE will automatically refer it to the manual collection process done by the credit card collections unit located in Amberst N.Y. Two other factors considered are whether the card is "secured" by an existing saving account the credit bureau score of the applicant . If the card is secured, the ADE will automatically approve the offer if the amount owed is less than $2500, the credit score is over 599 and the offer is for $50 per month. However, if the credit score is less than 600, the application is automatically referred it to the manual collection If the amount owed is over $1000, the credit score is 400 to 599, and an offer is for less than $75, a counter-offr to the applicant is made $100 per month. For any customer with a credit score less than 400, their offer is denied. I. Create a decision table which models the conditions and outcomes of the process 2. What other questions need to be asked of the card underwriting area

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