CMS Questions:

1) What will happen to a transaction posted to an Inactive account?

If a transaction is processed through batch for an inactive account, a Tag record (ATAI) is created to move the account
to the active status, and CMS warehouses the transaction for one day. When posting is complete, Depending on
Active/Inactive flag in system record, CMS moves the account from the inactive file (AMBI) to the active file
(AMBS). It changes the internal status to M, and reports that account on the Active/Inactive Migration report (R35).

2) What is the significance of Usury tables?

In CMS, you can establish Usury Table records to define the usury limits for interest processing. You specify the
minimum and maximum interest rate allowed by the usury laws in each state/province/country. During processing,
CMS verifies that interest rates defined in Interest tables comply with the minimum/maximum interest rate limits
defined for the identifier (ID) on the controlling Usury table. CMS only checks usury if the USURY flag on the
Organization record (ARMO02) is set to Y.

3) What is an action codes in ASM? How many types of Action Codes are there?
ASM processing is done based on action codes. Depending on the type of request from the customer the inquiry is done
through initiating action codes. There are 6 types of action codes they are Monetary , Non-monetary , Transcript ,
Inquiry , Point. Action codes are stored in AMAC and can be modified/added/queried using ASMA screen

4) The OFOAUTH program generates authorization code for bank card and private label card.
Card activation selection criterion screen enables setting of ZIP CODE RANGES, STORES & CREDIT LIMIT as
selection criterion for card activation. Rate method used for indicating the balance CMS used to calculate insurance
premiums are defined on ARMI02 Screen.
ASU010 is the program which calls ASD010 program to generate letter interface file in ASM if the LTS system is
active.
ARD145 is the Letter System Interface program that creates daily tag LTDT file that is input to the Letter System.
ARD144 is the batch program used to update Card/Embosser and Relationship records.

5) Can billing cycle for an account be changed in the middle of a cycle (Y/N)? If yes, then how? If no, why?
Ans. – Yes, Go to ARMB page 01 and edit the Billing Cycle field

6) What does an Auto-charge off month’s value of 2 indicate (in ARQL)?

Ans. – If the account is in Initial Charge-off status for consecutive two months, it will be migrated to final
chargeoff to purge the record from the system.

7) How will you determine if a given account is a Bankcard/retail/debit card through online screens?
Ans. – Check ARQL screen for the field ‘TYPE OF ACCOUNT’.

8) Warning codes exist at which level?

Logo, Org, Account, None, it is feature used by FAS only
Ans. - C

9) Block codes are defined on _____ screen but applied to the customer on ______.
Ans. – ARML; ARMB/Account Level

10) If you are required to answer a Customers inquiry about the cycle due and the Stmt Balance during one of
his previous statements, which screen(s) can you use.
ARSD and ARIB, ARTD, ARSD only, ARSD, ARIB and ARQB
Ans. – A

11) Which program creates the ATPT file in the CMS Batch? Which files serve as an input to this?
Ans. – ARD100, ATNS and ATVT

12) Payment processing options exists in which of the following screens

ARQL, ARQO, ARQF, ARQR
Ans. – A

13) An account has Block code 1 as A with priority 50. What will be the values of Block code 1 & Block code 2 in
the given cases?
block code B is applied (priority 60), block code C is applied (priority 40)
Ans. - Case (a) B A; Case (b) ‘C’ cannot be applied to Block Code 1 or A/C (both are correct answers)

14) Tick the functions that are performed, as needed against the account on the cycle day.
Assesses interest, Clear outstanding authorizations, Generate statement file, Computes payment due, All of the above
Ans. – A, C, D

15) What are the different modes in which ARD040 can be run? Write the significance of each.
Ans. – Journal – Print the online updates
User Update – Update some master files and print the report
Recovery – Update all the recoverable master files and print the report

16) What are the components of accounts Current Balance at the plan level?
Ans. - Principal Balance, SVC BNP, INT BNP, Late BNP, Overlimit BNP, NSF BNP, INS BNP, etc.

17) For the following field Values

CREDIT LIMIT $ 2,500.00; ACCOUNT BALANCE 700.00; MINIMUM PAYMENT (Logo Amount) 100.00
BILL EVEN DOLLARS Y; CONTROLLING PLAN OVRRDE P;
FIXED PAYMENT AMT/PCT (5.5%) 00000005500.
Please write the Calculated Pmt amount and the billed payment amount.
Ans. – Calculated Payment Amount - $137.50; Billed Payment Amount - $138.00

18) Following function(s) can be performed using ARBC screen

delete a batch when you do not want to process transaction, reactivate a batch to make changes, unlock an ‘in process’
batch, all of the above

19) Which screen is use to re-age delinquency manually? Ans. – ARDJ

20) Match the following

ARD200 1) Online transaction extract
ARU040 2) Monetary transaction update/backup
ARD020 3) Reject reentry
ARD180 4) User non-monetary pre-edit
ARU020
Ans. – 1=C; 2=D; 3=A; 4-B

21) An account is billed monthly for a fixed amount of $15.00 and a payment variance of $5.00 is in effect. At present,
the account is four cycles (60 days) past due with delinquency aging occurring on the statement date. The statement
date is August 1, and the payment due date is August 24. The Account cycles on August 1, billing a current due of
$15.00. The delinquency buckets are as follows:
CD 1 (current due) 15.00 15.00
CD 2 (X days) 15.00 15.00
CD 3 (30 days) 15.00 15.00
CD 4 (60 days) 15.00 19.00
CD 5 (90 days) 0.00

22) A payment of $11.00 was received on August 24. What would the delinquency buckets look like after the next
statement date Septmber 2? What does the value of DELQ CNTRS: on ARQB screen as given below indicate
(highlighted in bold)?
Please mention the corresponding cycle due in the answer.

DELQ CNTRS: PAST 000 30 DAY 024 60 DAY 000 90 DAY 000
120 DAY 000 150 DAY 000 180 DAY 000 210 DAY 000
Ans. – The account had Cycle due >= 3 for 24 cycles in its life cycle.

23) Small balance write off parameters are defined on which level?
Logo, System, Org and System, All of the above
Ans. – A

24) Which screen is used to activate the interface with LTS system? Ans. – ARQS/ARMS screen

25) Following transaction control screen shows that, if a post dated debit transaction, having effective date of
transaction greater than today’s system date by 2 days, comes into the system, it will be Warehoused and if a post
dated credit transaction, having effective date of transaction greater than today’s system date by 2 days, comes into the
system, it will be Posted.

TRANSACTION CONTROL POST DATED

DEBITS W 002
CREDITS P 002

26) To enable skip payment functionality for an account based on block code settings on ARQL screen, which of the
following column needs to be modified;
DF, WO, WL, PO : Ans. – A

27) Cardholder’s mobile number can de seen on which of the following screen
ARQE, ARQN, ARQB, None of the above
Ans. – B

28) In ARU080, which control record files are verified for the pre-edit of each transaction?
Plan Master file, Transaction Control Master file
 Store Demographic Master file, Plan Segment File, Base Segment file
Store Demographic Master file, Plan Segment File, Transaction Control Master file
Transaction Control Master file, Plan Master file, Store Demographic Master file

29) Write the temporary output files generated in ARD020 program? Ans. – ATL1, ATJ1, ATT1, ATXT, ATL3
30) Write the names of two date roll programs? Ans. – ARD060 and ARD065
31) An account has following plan level details:

Plan 1 Plan 2
INT BNP 10.00
SVC BNP 17.00 40.00
OVLM BNP 33.00
LATE BNP 60.00

A payment of $72.00 was received. If the hierarchy of payment application is as given below and payment application
method is ‘D’, please distribute the payment across the BNPs and update the dues accordingly.
Payment variance defined on logo level screen is $10.00
INT 01 SVC 03 LATE 08 NSF 02 OVLM 07

Plan 1 Plan 2
INT BNP 0.00
SVC BNP 0.00 0.00
OVLM BNP 28.00
LATE BNP 60.00

32) Billed-not-paid buckets for an account can be seen on which of the following screen
ARSD, ARQA, ARQR, ARQC, None of the above: Ans. – B

33) Usury Tables over-ride the rate table floor limits (Y/N) Ans. - Y

34) Fill the following table: What is the status (open /close) of file at the following…

FILES NORMAL AFTER

HOURS HOURS
ARCH ARCA AROA
AMBS Open Close Close Open
AMBSA Close Open Close Close
AMBSS Close Open Close Close

35) PCT can be established at ----------------- level(s).

System, Logo, Org & Logo only, System, Org & Logo

36) Arrange the following in the correct hierarchy of interest application (highest priority first)
PCT over-ride, Issuance state on Account, Base Variance, ITO
Ans. – D, A, C, B

A cardholder makes a transaction of D135 for $500.00. Referring to the following table, calculate the amount of cash
advance fee he will be assessed.
CASH ADV FEE TC 135 FREQ D MAX CTD 99999
% 500 FEE 04500 ACTION B
MIN 01000 MAX 06000 REV TC 435
DESCR CASH FEE FINANCE CHARGE
Ans. – $60.00
37) Rate Index Tables can be established at ----------------- level(s).
System, Org, Org & System only, System, Org & Logo

38) Phantom plans are defined on following screen ARQY.

ARQB, ARQL, ARQY, ARQA

39) An account can be enrolled into new insurance product using following screen
ARAG, AREA, ARAL, None of the above

40) What are different types of year bases used for interest calculation? Specify the types with respect to the
number of days defined for these year bases. Ans. – 360, 365 and 366

41) Specify which General ledger reporting levels are possible from the following.
(I) Org (II) Logo (III) Plan (IV) Store; Any one of the above at any given time

42) Which copybook maps AROPGM1?

AR62WS, AR64WS, AR60WS, AR70PD, None of above
43) What is the Interest rate applicable for the account using following Rate table information?
ARQR Information:
RATE TYPE V LIMIT INDICATOR N
RATE INDEX TABLE 001 FLOOR RATE 1799000 CEILING RATE 2999000
CAP REDUCTION 9999999 CAP INCREASE 9999999

INTEREST RATES -
RATE1 0000000 +/- + VARIANCE 0599000 LIMIT1 9999999
RATE2 0000000 +/- + VARIANCE 0000000 LIMIT2 0000000
RATE3 0000000 +/- + VARIANCE 0000000 LIMIT3 0000000
RATE4 0000000 +/- + VARIANCE 0000000

ARRQ Information:
ORGANIZATION 000
SEL INDEX REVIEW DATE CURR RATE BEGIN DTE DESCRIPTION
LAST MAINT PEND RATE PEND DATE STATUS

( ) 001 06261998 0300000 06261997 ZERO INT BILLED

05242000 A
Ans. – 17.99%

44) Match the following

Optional Report 1) U-16
User Report 2) R-02
Organization Report 3) T040
System Report 4) O-23
Utility Report
Ans. – 1=B; 2=C; 3=E; 4-A

45) Online Program and transactions are defined in ____ file and online file names are defined in ____ file.
Ans. – SMPT, SMFT

46) If the system is in ‘After Hours File Update’ mode, which all transaction we can access?
Ans. – No transaction

47) For accessing AMED file in online which of the following module is used for I/O operations?
a. AROIOBS, b. AROIOLG, c. AROIOAO, d. AROXCTL: Ans. – C

48) What are the input files holding statement data for ARD240 (Small Statements Update) program?
Ans. – ATSM, ATST

49) Write the significance of ATAI file? Ans. – Tag file used for migration of Active/Inactive accounts

50) Which of the following sub-systems interact with CMS directly?

a. CTA b. GUS c. FAS d. ASM

51) Which is the file generated by CMS to send the non-monetary updates to CTA?
a. ATO1 b. ATO2 c. ATCM d. ATCL

52) Which is the file generated by FAS to send authorization transaction updates to CMS? Ans. – ATIA

53) Which of the following files are used by CMS to validate the Store information of the monetary
transactions? Ans. – MMSM or AMSD

54) Which of the following is true about a Credit Plan Master?

A Credit Plan Master is a primary control record. False
New transactions always create a new credit plan segment. False
A Credit Plan Master is created for each Logo. False
An account can use only one Credit Plan Master per cycle. False
You set up interest deferment parameters on a Credit Plan Master. True
The Credit Plan Master sets up a new account. False
A major role of the Credit Plan Master is to generate credit plan segments. True

55) Circle the seven of these plan types that are created by credit plan masters?
Layaway (retail) / Cash / Access checks (cash) / Mail order (retail) / Balance transfer (retail) / Layaway ( cash)
Retail / COD / Mail order (cash) / Balance transfer (cash) / Closed-end installment loan / Access checks (retail)

56) Which of the following fields are associated with the following topics? I = Interest Options, A = Authorization
Options
 MAX SALE (A) , GRACE DAY BALANCE (I), REQUIRED DOWN PMT (A), RATE TBL OCCUR (I), MIN SALE
(A), ENDING DATE (A), RECORD COUNT IND (I), INTEREST TBL OVERRDE (I), BEGINNING DATE (A),
ITO EXP (I)

57) What four things can you defer? Interest, Membership Fees, Overlimit Fees, Late Fees.
58) How many account balance ranges can be defined on the Repayment Table? 10
59) Circle the valid minimum payment calculations controlled by the Credit Plan Master.
A. Payment application method
B. Payment history
C. Minimum payment amount
D. Payment type

60) Circle the valid exception criteria on the Credit Plan Master.
Org Logo SKU Merchant category Insurance product
Store Interest table Frequent shopper program Residence ID Field security code

61) Page 06 contains payment application priorities for what three kinds of payments?
Strike out the invalid option.
Over Average Under Normal

62) Is this statement True or false?

CMS always uses the payment priority options on page 06 of the Credit Plan Master and the payment application
method on the Logo record to apply payments. T

63) When a transaction is posted to a new account, what is the result? Check the correct answer(s).
_____ Phantom Plan _____ Plan Segment
_____ Account Base Segment _____ Embossing Record
64) Cross out the following that are not typical types of Credit Plan Segments?
No payments for six months
No interest on electronic equipment for three months
Layaway purchases
Cash advance purchases
Mail order purchases
2.9% interest balance transfer

65) How many Credit Plan Segments can an account have? ?????
66) On the Credit Plan Segment record illustrated above, what is the current balance of the account?
67) How many credit plans are on the account?
68) How many phantom plans are on the account?
69) What amount is due on the retail purchase plan?

ARMA ( ) USER DEFINED TITLE PAGE 02

06/01/2000
PLAN SEGMENT RATE/HISTORY 10:10:10
ORG 800 ACCT 0001234567890123456 PLAN 16002 RETAIL PURCHASE PLAN
RATE TBLE OCCUR IND 02 PURCHASE
CURRENT RATES:
RC RTF RTE LMT I/T
# MET TYP IND BASE B/S CALC
*****TIER LIMIT**** RATE VARIANCE ADJUSTED RATE BEG DATE
N F Y +.0000000
9999999 .1250000 -.0300000 +.0000000 .0950000 02/22/2000

PF1=ARMU PF2=PG DOWN PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

70) On the Credit Plan Segment record illustrated above, what is the current base rate on the plan?
71) Is a rate variance in effect?
72) ARMA01 -Credit Plan Segment Locate
ARMA02 - Credit Plan Segment Select.
PCT ID - ARMA05- (Interest, ITO, Payment Details)
Beginning balance this cycle - ARMA03- (YTD, LTD)
Deferred interest amount - ARMA07- (Deferral Information)
 YTD paid interest - ARMA03-
Interest accrued this cycle - ARMA05
Previous status - ARMA06- (Balance Amounts)
LTD returns - ARMA06
BNP charged-off - ARMA04- (BNP)

73) On which screen can you override the payment type on the Credit Plan Master and set up a fixed payment
amount? ARMA05 - FIX PAYMENT AMT
74) How would you set up the fixed payment for a specific account? Circle the correct answer(s).
Change the payment application method
Adjust the Credit Plan Master record
Utilize the FIX PAYMENT AMT field
Adjust the Logo record
Change PYMT/MNT DT field

75) Can you determine with the help of online screens, that a given bank card is a Visa or Master Card (and
what type of affiliate)? If yes, how? Give a precise answer.
ARML01 screen (QTRLY AFFILIATE field ). Code that indicates the Europay, MasterCard, or Visa cardholder
affiliation. This field is required if the Logo record processes bankcard accounts (TYPE OF ACCOUNT on ARML01
is X or D) to identify the quarterly reporting classification. This field is not valid if the Logo record processes non-
bankcard accounts.

76) An account has the next cycle date as 07/11/02, pmt due date of 07/05/02 and a due amount break-up as
follows, (today is 07/06/02)
CD Amount Q3 Q4 Q5
35 – 00 00 00 40
25 – 35 35 35 0
20 – 25 25 25 35
20 - 20 16 20 25
20 0 2 20
20
What is the total due today? If he pays up $24 on 07/10/02, what will be the break-up like at the start of the next cycle
(assume aging is at payment due date)? 100
After 07/05/02 due to aging CD will be 5

In the same example as above, if the person had paid $18 what would have been the break-up? (Payment variance is 20
%). In the same example, as No.3, if the person does not pay up and in the next cycle is assessed a due of $40, what
will be the break-up at the end of the next cycle if he makes no other payments?

77) What is purpose of having the file table AROFIL1 in the online environment?
The main purpose of the file table id to provide the external file name or the DD name for all files defined to the
system, which is contained in the FCT.

78) Each PCT can point to how many RTOI’s? 12

79) Transaction level pricing and accruals is not possible in CMS (Y/N). If no, then why not, if yes then how is
this achieved? 2 lines max. Yes Need different Pricing based on Transactions Cash, Retail, Balance Transfers

80) TRAMS batch must be complete before the back-ups are taken at the start of the CMS batch(Y/N)? Explain
No
ARU020
1. ARD020
ARD060
2. ARD011
3. ARU080
2. ARD080
It generates the ATTD file of monetary Transactions which is required for processing in the CMS.

81) AMWT and ATOS are some of primary outputs of _ARD180_ program in the batch? What are the key
inputs to this program? Inputs : ATGT, ATPT, AMDI, ABAI, AMCR

82) A plan 10090 of an account (plan type R) has a current balance of $1230.00. The plan expires on 07/11/02. Another
plan (plan type C) expires on a similar date. Will these plans be consolidated into a single plan on 07/11/02? Do you
have enough data to answer this question? If not then what key data is missing?
Consolidated Plan number should be same.

83) After hours transactions are backed-up in which of the following file?
ABMF, ABLO, ABTF, ABAF, Such txns are not backed up
84) Which of the following Over-rides can be defined at Plan Master Level?
A] ITO B] PCT C] Ratification Method D] Plan Priority

85) Which of the following setting is not considered for Payment Application?
A] Payment Hierarchy B] Application Method
C] Principal Pro-rata D] Payoff Variance

86) For which of the following Charge-off Status, the charge-off is said to be complete?
A] 7 B] 4 C] 5 D] None of the above. Z

87) Which of the following screens is not an Account Inquiry Screen?

A] ARIQ B] ARIC C] ARIB D] ARQB

88) Write the following transactions in either of the following files ATOS, ATST, ATTA, AMWT.
A] Sales Transaction having Posting flag = 0 ATOS
B] Finance Charge Transaction having Posting flag = 0 ATST
C] Payment Transaction having Posting flag = 98 AMWT
D] Balance Transfer Transaction having Posting flag = 11 ATTA

89) At which level, block code control over frequent shopper points is defined?
A] Organization B] Logo C] Plan D] Account

90) CD Transactions of Transferred accounts are housed in which file? AMOS

91) Name the key input and output files to the ARD080 program.
Input files ATT1, ATTI, ATJ1, AMWT, ATXT, AMCR, AMMC
Output Files ATBB, ATIB, ATNS, ATVT, ATE1

92) Processing controls for back-dated and post-dated txns are controlled at this level? ARML12

93) How will you control that the Credit limit of any account within a Organization (say, 101) does not increase
a certain amount (say, 20000)? 2 lines max. Controlling Plan Ans: Maximum credit limit ARQL13.

94) Authorization parameters can be controlled at which of the following levels

ORG only, Org and logo, Logo and account, System, Org, logo and account

95) Which of the following payment will age the delinquency status of the account?
A] Skip Payment B] Normal Payment C] Under-Payment D] Prepayment

96) Consolidation of the plans for minimum payment calculation mainly depends on which of the following
factor?
A] Controlling Plan B] Interest Rate C] Plan type D] Repayment Table

97) What is the Multiple Sales flag switch in Plan Master used for? 2 lines max.

98) On which screen you can define the Fixed Minimum Payment Amount?
A] ARQC B] ARQB C] ARQY D] ARQR

99) Which screen is used to delete a batch that was entered online?
A] ARAT B] ARAP C] ARDH D] ARBC

100) Overlimit % for an account is controlled in which screen (just the screen name, number not necessary)?
ARML31

101) Which batch program pre-edits the Monetary extracts? ARU080

102) CMS System Generated transactions are entered through the CMS Online Screens like ARAT (Y/N)? N

103) In which file are the generated transactions written out by Posting? ATGT

104) Statement tag record is in written in which file? ATGT

105) Transactions on the day of account’s statementing are held in which file before they are merged into the
ATSS? ATST

106) Give the CICS transaction names in sequence that trigger the CMS batch, updates and gets back to
normal? ARCH …> ARCA…> AROA
ARCH (Close for After Hours) function or by selecting the OPEN FOR AFTER HOURS option on the AROC (After
Hours) screen.
When after-hours activity ends, and CMS batch program Daily 3 is about to run, you must close the CMS files either
by using the ARCA (Close All) function or by selecting the CLOSE ALL option from the AROC (After Hours)
screen.
Can reopen the CMS files either by using the AROA (Open All) function or by selecting the OPEN ALL option on the
AROC screen.

107) Which txn is triggered by AROA for completing after-hours updates? ARUP

108) CMS processing dates are taken only from the System record (Y/N)? Explain? N ORG level Overrides are
there.

109) Arrange the following in the correct hierarchy (highest priority first)
PCT over-ride, Issuance state on Account, Base Variance, ITO : D C A B

110) Monetary input - ATTD is a segmented file (Y/N)? N

111) CMS can handle maximum 9 segments of file (Y/N)? N Max No : 99

112) When an account gets assessed over-limit fee?

Current Balance is greater than or equal to Credit limit
Current Balance is greater than Credit limit.
Current Balance exceeds the Credit limit by the Logo level setting.
Current Balance exceeds the Credit limit by Account control setting.
None of above

113) Warehoused txns are housed in this file? AMWT

114) A user entered a Payment transaction through ARAP which was eventually rejected by Posting. Will this txn be
picked up again tomorrow, if yes then in which file and which program picks up this file again in the next days batch?
AMJ1 and ARD020

115) Rejected txn’s are put into the following files just after posting?
ATRT, ATPT, ATST, AMJ1

116) A single base segment account can have how many Cust numbers? 1

117) For a new account to operate successfully in CMS, what minimum account records should it have in CMS?
Name them all. AMNA, AMBS, AMED, AMCP

118) Credit limit is a non-maintainable field on the Embosser (Y/N). Re-write the corrected sentence.
N. It is maintainable on ARMB01

119) Account has a credit limit of $10,000, its Current bal $1000.00 , memo debit is 200 and memo credit is 300. If he
gets a Credit limit increase of $5000. what are the old OTB and new OTB values (disputed items do not apply)?
10000, curr bal 900 OTB OLD 9100 new otb 14100

120) An account has a Past due of $33.89, current due $23.4. If he pays up $20.99, after the Payment due date in this
cycle, what will be the past due in the beginning of the next cycle? Also, what can be the values of CD 1 and 2 amounts
at the same time?
36.3 CD 2 2

121) Account history is maintained in which file? Which screens corresponds to this? AMHB, ARIB, ARIQ

122) Delq history can be seen which screens? ARIQ, ARDJ, ARMB03

123) Can you adjust the delq. of an account (Y/N)? Explain. Y

Use the Delinquency Adjustment screens (ARDJ) to adjust delinquency amounts for an account and the credit plan
segments of an account. This is also known as “reaging an account.” Reaging an account is normally done to cause an
account to appear less delinquent by reducing the delinquency level. You also can reage an account to make the
account appear more delinquent by increasing the delinquency level.

124) A cardholder makes a transaction of D126 for $500.00. Referring to the following table, calculate the
amount of cash advance fee he will be assessed.
CASH ADV FEE TC 135 FREQ D MAX CTD 99999
% 050 FEE 04500 ACTION B
MIN 01000 MAX 06000 REV TC 435
DESCR CASH FEE FINANCE CHARGE

125) What will be the value of the field Late Charge Days, if the late fee is to be assessed on the next statement
date?
 A] 000 B] 001 C] 998 D] 999

126) Classify the following transactions into following four categories.

A] Generated Debit Transaction
B] Normal Debit Transaction
C] Generated Credit Transaction
D] Normal Credit Transaction

TXN LOGIC *------------ DESCRIPTION -------------* RPT DESCRIPTION

138 01 PURCHASE INITIAL SALE - D
265 05 CREDIT REVERSAL CREDIT REVERSE
507 36 CHECK BY PHONE PAYMENT CK BY PH PYMT
510 30 PAYMENT - THANK YOU RPC PAYMENT
G 611 03 PRINCIPAL DEBIT ADJUSTMENT PRIN DB ADJ
G 740 07 INTEREST DEBIT ADJUSTMENT INT DB ADJ
G 800 04 PRINCIPAL CREDIT ADJUSTMENT PRIN CR ADJ
G 942 16 CO INSURANCE PREMIUM CREDIT OUT CO INS CR

127) ARSD Transactions ------what all does it show.

128) Batch – monetary and non-monetary

129) ARD100, ARD011, ARD010.

130) How do u apply interest rates?

131) What is base variance?

132) How do u apply variable rate (see the screens)

133) O-T-B calculation when

134) Dispute processing is active And dispute processing is inactive

135) The CL (cash + retail), the account balance (cash + retail), the disputed amount (cash + retail) and the
overlimit % is given.

136) See the order of the programs in batch flow.

137) Which program produces the file ATPT? What is the input to that program?

138) Which screen displays the BNP buckets?

139) How many plan segments can be present for an account?

140) what is posting flag 10. No Matching account

141) Delinquency cal.

142) Cal payement and billing payent

143) On which screen you can locate bnp & statemt billing amts which does't run under critical path?

144) Open-to-buy (OTB) The amount of available credit for an account. CMS calculates the open-to-buy amount
for all Vision PLUS systems using a common copybook (AR79PD), as follows:
Total credit limit
multiplied by ( ) overlimit percentage
minus (–) current balance (or plus the credit balance if OTB: CR BAL on ARML14 is 1)
plus (+) loan balance
minus (–) memo debits
plus (+) memo credits
plus (+) account reserve amount
minus (–) loan OTB balance (if OTB: ORIG LOAN AMT on ARML14 is 1)
minus (–) outstanding authorizations
plus (+) dispute balance (if OTB: DISP on ARML14 is 1)

145) An account has a Past due of $33.89, current due $23.4. If he pays up $20.99, after the Payment due date in this
cycle, what will be the past due in the beginning of the next cycle? Also, what can be the values of CD 1 and 2 amounts
at the same time?
 Before payment:
CD1=$23.4
CD2=$33.89
Payment after payment duedate = $20.99

In next cycle: Assuming there is no payment required in the cycle and no payment variance.
CD1 = 0
CD2 = $23.4
CD3 = $12.90

146) A cardholder makes a transaction of D126 for $500.00. Referring to the following table, calculate the
amount of cash advance fee he will be assessed.
CASH ADV FEE TC 135 FREQ D MAX CTD 99999
% 050 FEE 04500 ACTION B
MIN 01000 MAX 06000 REV TC 435
DESCR CASH FEE FINANCE CHARGE
5% of the 500 = $25
Fixed Fee amount =$45
Action given is ‘B”, means charge both amount and percentage. So calculated Fee amount = 25+45 = $60. This value
should be in the limits Min ($10) and Max ($60).
Answer: $60

147) What will be the value of the field Late Charge Days, if the late fee is to be assessed on the next statement
date?
A] 000 B] 001 C] 998 D] 999 Answer: C (998)

148) How will u add a system record to V+?

149) The batch has been processed (completed) for Friday (01/06), Saturday Sunday are non processing day in
the holiday list 04/06 is given as a holiday, what will be the values of the following on ARQS 01 screen?
DATE LAST PROCESSED
DATE ACCRUED THRU
NEXT PROCESSING DATE

150) What is the significance of date format field?

151) What is Prenote, what will happen if it is “N”?

152) What is the significance of Posting debug flag?

153) If the work week is given as XXXXXCC, what will it mean?

154) Can an account have a billing cycle of 01 even when it is not specified as a valid cycle at system level

155) What will happen if at system level a particular date is not defined as holiday but at ORG level it is defined
as a holiday

156) What’s the difference between Currency NOD, Per ITEM NOD and Percent NOD?

157) Where can you see the last customer number assigned and last account number assigned?

158) What is the significance of Dual Currency? Can I set it to yes even when at system level it is “N”?

159) What is RTTN specified at Logo level?

160) What does curr indicator (defined at org level) mean?

161) What are open items, in which file are they stored?

162) What is the problem with the below mentioned screen?

ARQL ( ) XXXXXXXXXXXXXXXXXXXXXXXX PAGE 01 27/05/2003
LOGO RECORD 23:24:03
ORGANIZATION 999 LOGO 999 DATE OF LAST MAINT 10/01/2003
DESCRIPTION VIKRANT DUAL 0 TYPE OF ACCOUNT X
BIN/MBR ID 0000000000000999999 CIRRUS LOGO 0
ASSOCIATED CURR 000 OPEN ITEM PROC N
RTTN 000 CURR CODE 554 0
CREDIT BAL PLAN 10000 PMT REV PLAN 00000
QTRLY AFFILIATE A1 LOCAL USE 1
LETTER STATIONERY MASTERFILE
STAT TYPE FORM CODE STAT TYPE FORM CODE
0 00000 0 00000
0 00000 0 00000
0 00000 0 00000
0 00000 0 00000
0 00000 0 00000

LTR FEE MIN BAL

00000000000000000
LMS ACTIVE N

CURRENCY 554 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 6

163) Given below is a block code Matrix

B P R A F W W W W S D C C B R C N L
PRI R O I U C L M O N T F I B BS C D D RS B T *-DESCRIPTION-*
00 N 0 Y 0 N N N Y N N N N N 00 0 0 0 00 0
A 99 Y 1 N 2 N N Y Y Y N N M N 00 0 0 0 00 0 AGENT
B 90 Y 1 N 2 W Y Y Y Y N N M N 00 0 0 0 00 0 BANKRUPT
C 15 Y 1 R 2 N N Y Y N N N M N 00 0 0 0 00 0 CLOSED C/H
D 70 Y 1 N 1 W Y Y Y Y N N M N 00 0 0 0 00 0 DECEASED
E 55 Y 1 R 2 N N N Y N N N N N 00 0 0 0 00 0 F&P CLOSURE
F 95 Y 1 N 3 W Y Y Y Y N N M N 00 2 0 0 00 0 FRAUD
G 55 Y 1 R 2 N N N Y N N N N N 00 0 0 0 00 0
H 50 Y 1 R 2 N N N Y N N N N N 00 1 0 4 00 0 SUSPENDED
I 62 Y 1 N 2 W Y Y Y Y N N M N 00 0 0 0 00 0 INTEREST FROZEN
J 60 Y 1 N 1 N Y N Y N N N N N 00 0 0 0 00 0 CHARGE BACK
K 00 N 0 Y 0 N N N Y N N N N N 00 0 0 0 00 0
L 75 Y 1 R 3 N N N Y N N N M N 00 0 0 0 00 0 LOST
M 10 Y 1 R 0 N Y N Y N N N N N 00 0 0 0 00 0 GET NEW ADDRESS
N 23 Y 1 R 0 N N N Y N N N N N 00 0 0 0 00 0 HOLD REISSUE
O 31 Y 1 Y 2 N N N Y N N N N N 00 0 0 0 00 0 CARD ACTIVATION
P 30 Y 1 Y 0 N N N Y N N N N N 00 1 0 2 00 0 PAST DUE
Q 43 Y 1 Y 1 N N N Y N N N N N 00 1 0 3 00 0 CYCLE PAST DUE
R 60 Y 1 N 2 N Y N Y N N N N N 00 0 0 0 00 0 ARRANGEMENT
S 80 Y 1 R 3 W Y Y Y Y N N M N 00 0 0 0 00 0 STOLEN
T 00 N 0 Y 0 N N N Y N N N N N 00 0 0 0 00 0
U 94 Y 1 N 2 N Y N Y Y N N M N 00 0 0 0 00 0 DOUBTFUL DEBT
V 99 N 3 Y 0 W Y Y Y Y N N N N 00 0 0 0 00 0 ORIGINATION A/C
W 00 N 0 Y 0 N N N Y N N N N N 00 0 0 0 00 0
X 98 Y 1 R 2 W Y Y Y Y N N N N 00 0 0 0 00 0 XPT
Y 93 Y 1 N 2 N Y N Y Y N N M N 00 0 0 0 00 0 GOODS RECEIVED
Z 98 Y 1 N 2 W Y Y Y Y N N M N 00 1 0 0 00 0 CHARGE-OFF
Account 1 has a block code 1 of “A” block code 2 of “U”
Account 2 has a block code 1 of “z” block code 2 of “s”
Account 3 has a block code 1 of “M” block code 2 of “P”
Account 4 has a block code 1 of “D” block code 2 of “G”

164) What will happen for the above for the following actions

Which of these will be reported on Block code report (O07)

How will the transactions get posted in CMS
Authorizations can be performed on which accounts?
For which accounts statements will be generated

165) What is block Code letter Matrix?

166) Can we have more than one frequent shopper program active at a time?
167) What is the significance of Payment Hierarchy?

168) If I owe the bank 100$, distribution given below oldest Transaction first.
Balance Xfer: 20
Retail Tran:05
Cash Tran: 5
Interest (cash plan) :15
Late Charge Fee: 10
Annual Fees : 10
Int on INT: 10
Insurance(retail): 10
Retail Tran:05
Cash Tran: 10
And I pay 80$, in which bucket will this go and in which order. The Application method is “B” and Prin Pro rats is ‘F”.
You can use the payment hierarchy for this? Also Cash Plan has a higher preference compared to retail.

169) Where are the following fields defined and what is their significance?
Overlimit Letter
overlimit RPT %
Overlimit LTR %
Overlimit Auth?
Letter org
Add CHG Effect
Auth Duration
Auto Purge Months

170) What is the difference between Auto close months and Inactive months?

180) I have a credit limit of 100 Overlimit ltr % as 102 Overlimit rpt % as 105 Overlimit Ltr % as 110 overlimit auth as
105, My curr balance is 108, have I got a letter from the bank? Will my account number appear on the overlimit report,
will my transactions get approved. Can I ever get an overlimit letter??

181) What does a Posting flag = 10 indicate about the transaction? How will you rectify it, if at all?
Contained either an org that had not been defined to the system or an account number that was not on file.

182) Which copybook maps AROPGM1?

AR62WS
AR64WS
AR60WS
AR70PD
None of above

183) What does an Auto-charge off month’s value of 2 indicate (in ARQL)?
Number that indicates how many months an account remains charged off without activity before CMS generates the
final charge-off transactions. The number of months is based on DATE LAST STATUS CHANGE and DATE LAST
CREDIT). The final chargeoff transactions remove the balance from the Profit/Loss (P/L) balance of the logo. The
values are 00–99. The default is 00. The value 00 indicates accounts processed by the logo never go through final
charge-off processing.

184) How will you determine if a given account is a Bankcard/retail/debit card through online screens? TYPE
OF ACCOUNT

185) Usury Tables over-ride the rate table floor limits (Y/N) N

186) Charge off status can be gauged from the accounts internal status (Y/N) If not then from where? If yes,
then what is the final charge off status indicated as?

187) Warning codes exist at which level?

Logo, org, account, None, it is feature used by FAS only

188) Block codes are defined on _ARML07 and ARML08_ screen but applied to the customer on
_ARMB01(BLK CODE 1 and BLK CODE 2).

189) If you are required to answer a Customers inquiry about the cycle due and the Stmt Balance during one of his
previous statements, which screen(s) can you use.
ARSD and ARIB, ARTD, ARSD only, ARSD, ARIB and ARQB

190) Billed-not-paid buckets for an account can be seen on which of the following screen
ARSD, ARQA, ARQR, ARQC, None of the above
191) Payment processing options exists in which of the following screens
ARQL, ARQO, ARQF, ARQR

192) Write account internal status for following description

Active = A, Transferred = T, Dormant = D, Closed = H, ‘8’

193) Which screen is use to re-age delinquency manually? What do you actually ‘change’ when you are
adjusting delinquency? ARDJ

194) Use this screen to make a delinquency adjustment and reage the account selected on the Locate screen. You can
manually reage the account by distributing amounts in the current and past due fields and pressing Enter. Or, you can
automatically reage the account by completing the REAGE CD field and pressing PF5. The automatic calculation is in
whole monetary units. If the calculation results in a remainder of subunits, CMS spreads the remaining subunits over
the total due for each plan as necessary. If an account has more credit plan segments than the screen can display at the
same time, the following message displays across the middle of the screen: MORE PLAN SEGMENTS ON FILE .
Press PF6 to save the changes made to the current and past due fields. CMS displays the additional credit plan
segments on ARDJ01 so that you can adjust the total due as needed. Continue until you complete all credit plan
segments for the account.

195) CMS can consolidate payments for plan with any payment types (T/F). Which Payment types cannot be
consolidated, if any?
The consolidated payment feature must be active in the Credit Plan Master record associated with the credit plan
segment (CONSOLIDATED PAYMENT on ARMC01 must be Y, B or R). The credit plan segments to be
consolidated must have the same value.The payment type assigned to the Credit Plan Master records must be the
same(PAYMENT TYPE on ARMC01) and must not be A, B, D, F, I, or P.

196) An account is billed monthly for a fixed amount of $15.00 and a payment variance of $5.00 is in effect. At
present, the account is four cycles (60 days) past due with delinquency aging occurring on the statement date. The
statement date is August 1, and the payment due date is August 24.

197) The Qualifying payment set at the logo level is $20.00 & the Qualifying Pmt % is 90%. If the payment last
requested was $ 25.00, what payment the cardholder must make to prevent recency from advancing? Support your
answer with brief explanation.

198) How many different plan segment records can an A/c base segment record have?
a) 999 b) 998 c) 99 d) 9998

199) Block codes can affect the following:

Statementing and Posting of txns
Statementing, Posting of txns and Interest processing
Fee Waivers
All of the above

200) Account has Overlimit Auth % as 105 on ARQL. What can you say is the effective OTB of this account if its
current bal is $1000 and Credit limit is $20000? If an auth is requested on this account for $19100, will it be accepted?
Explain why?

201) Which primary activity (s) gets performed after AROA is activated? What about ARCA?

AROA, which invokes FAS function OFRN (Resume Normal). OFRN sets the file system status to zero, then invokes
FAS function OFAU, a background task that will process all authorizations up to the after-hours cutoff record and
refresh CMS AMBS/AMED master files.

202) Which of the following is the amount available for the card-holder to spend at any given point in time?
A. Current Balance, B. Credit Limit, C. Open To Buy (OTB), D. Principal Balance

203) <BLANK> is the day of the month decided for any account on which all the monthly processing required is
done. Ans : Billing Cycle or Cycle Day

204) An account had some amount in 60 DAYS past due Bucket. The Cycle Due of this account is Ans : 4

205) What should be the CD (Cycle Due) of an account to called "CURRENT":

A. 1 B. 0 C. Either A or B D. None of the above Ans : C. Either A or B

206) What is the transaction to edit the Current Insurance Data for an account?
A] AREM B] ARDM C] ARMI D] ARMQ Ans : B

207) What is the sigificance of the field 'LEVEL' ?

A] To define level of the Insurance Table
B] To determine level of insurance claim
C] To define the billing level of Insurance premium
D] None of the above

208) Which of the following is not an option for Billing Frequency?

A] Weekly B] Monthly C] Quarterly D] Annually Ans : A

209) When the Past due flag on ARQI screen is 0;

A] Past due is not calculated
B] Past due is used for calculating Insurance Premium
C] Past due is not used for calculating Insurance Premium
D] Past due is not added to current due

210) How the Fixed Premium reflected in the Calculated Insurance when the Rate Method is 5?
A] Fixed Premium is billed as Insurance Premium
B] Fixed Premium is subtracted from Insurance Premium
C] Fixed Premium is not used
D] Fixed Premium is added to Insurance Premium

211) Which of the following is an Age parameter applied to the Insured Party at the time of insurance
enrollment?
A] Max Coverage B] Billing Frequency C] Expire Age D] None of the above

212) Dual Currency feature can be set Active/Inactive at

A System Level B. Org level C Logo level

213) How many system record can be established in CMS?

A Only one B 999 C > 1 but < 999

214) How many payment history can be maintained by CMS?

A One B Three C Six D Zero

215) To use the dual currency feature, the organization number that identifies the foreign currency organization must be
a lower value than the organization number of the local currency organization (ORGANIZATION on ARMO00).
Ans : True

216) Dual currency feature enables CMS to bill and pay in 2 different currencies? Ans : True

217) If a particular day of the week is a working day at SYSTEM level, then the same day must be a working
day at ORG level. Ans : False

218) Controls to build the Name Key are present at ORG level. Ans : True

219) ‘DATE FORMAT’ field on ARMS01 gives the flexibility to use either JULIAN date or GREGORIAN date
for display purposes. Ans : True

220) 26 block codes are defined at logo level Ans : False

221) SMPT file is used for the definition of files used in Vision+. Ans : False

223) AROA transaction is used to bring the system back to normal processing mode. Ans : True

224) Shadow files are closed during after hour's processing mode. Ans : False

225) Maintenance done during after hours processing mode will be applied to master files in the next batch run.
Ans : False

226) CICS PCT definition for ARMB transaction points to program AROMB00. Ans : False

227) SSU600 program as provided by Paysys is used to trigger AROA, ARCH or ARCA transactions in CICS
Ans : False

228) Program names and their corresponding descriptions

ARU080,ARD080,ARD180,ARD185
Ans : ARU080 = Monetary Transaction User Input Pre-edit
ARD080 = Monetary Transaction Edit and Merge
ARD180 = Monetary History Update
ARD185 = Multiple Reject Processing

229) Fill in the Blanks.

Membership fee is a ------------- transaction Ans : System Generated
230) To waive membership fees for an account, you have to place the override at -------------- level.
A. Logo
B. PCT
C. Account
D. All the above

231) At what level can the fee table be defined

A. Org
B. Logo
C. System
D. System, Org, Logo

232) Click the field on the screen ARQB which is used to override the regularly associated Service Charge/Fee
table. Ans : PRICING CTRL or PCT LVL OVRRIDE

233) You can assign a system-level Service Charge/Fee table to a Processing Control Table established at the
organization or logo level. Ans : False

234) Select one or more from the choices list below which will determine if the late fees is waived for an account
A. Block codes B. Account status C. User codes D. Waive flags

235) Arrange the following in priorities to override the PCT on an account

1 – ITO override
2 – Pricing Control
3 – AMBS rate variances

Ans : Priority 1 – ITO override

Priority 2 – Pricing Control
Priority 3 – AMBS rate variances

Match each control record with its role in interest processing.

C__ 1. Processing Control table A. Contains the RATE TBL OCCUR field, which
specifies which RTOI position contains the number of
the Interest table to be used in calculating interest on
the credit plan
_D_ 2. Logo record B. Contains the actual parameters for calculating interest
on a credit plan, such as the balance subject to finance
charges and the rate type
__ A 3. Credit Plan Master C. Is composed of PCT IDs and the numbers of their
associated Account Control, Service Charge/Fee,
Insurance, and Interest tables
__B 4. Interest table D. Contains the PROC CONTROL LEVEL field, which
determines the level of the Processing Control table to
be used by the accounts

236) Bank X runs its business in V+. It is coming up with a new credit card and wants to offer a special interest rate for
the next 6 months of usage to its customers. In what way this can be achieved?
A. Cannot be achieved
B. PCT LVL OVRRIDE on account base segment
C. ITO at Credit plan master
D. RTOI
Ans : B or C

237) Bank Y runs its business in V+. It wants to offer special interest rates to Mr. John on all cash transactions he
makes for coming 3 months. Keeping all other processing parameters the same, how can this best be achieved?
A. Cannot be achieved
B. PCT LVL OVRRIDE on account base segment
C. ITO at Cash plan master
D. RTOI on Credit plan master
E. Pricing Control
Ans : C

238) Interest settings at the account level(ARQY) are as follows. Minimum interest amount is $2.00, the waive
level is A (Account level), and the maximum amount to be waived is $0.90.
If the system calculates $1.00 interest on the entire account, then the interest of --------- will be assessed on the entire
account.
If the system calculates $0.50 interest on the entire account, then the interest of --------- will be assessed on the entire
account.
Ans :1) $2.00 2) $0.00

239) Principal Pro Rata is the method used for applying an overpayment. Active only when payment type is B.

240) Payment Hierarchy is for B-N-P components Accounts Receivable account in ARML

241) Payment Priority is for Plans in ARMC