Podcast
Questions and Answers
What was the outcome of exceeding the credit limit?
What was the outcome of exceeding the credit limit?
- A fee was charged for each transaction. (correct)
- The credit account was suspended.
- A notification was sent to the account holder.
- The credit limit was automatically increased.
What is the primary issue with the author's communication?
What is the primary issue with the author's communication?
- Ineffective persuasion. (correct)
- Tone of the message is aggressive.
- Lack of clarity on credit rules.
- Lengthy message.
Why did the author not know they were close to the limit?
Why did the author not know they were close to the limit?
- They did not receive notifications.
- They did not check their account regularly. (correct)
- They were not informed about the credit rules.
- They were not aware of the credit limit.
What was the author charged for each transaction?
What was the author charged for each transaction?
During which period did the author make 12 purchases?
During which period did the author make 12 purchases?
What is the result of not knowing the credit limit?
What is the result of not knowing the credit limit?
Why is it essential to keep track of credit purchases?
Why is it essential to keep track of credit purchases?
What can happen if the credit limit is consistently exceeded?
What can happen if the credit limit is consistently exceeded?
What is the primary reason for the author's issue?
What is the primary reason for the author's issue?
What can be done to avoid exceeding the credit limit?
What can be done to avoid exceeding the credit limit?
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Study Notes
Ineffective Persuasive Request Letter
- The writer's Visa account was overspent due to ineffective approval system and lack of awareness about their credit limit.
- 10 out of 12 transactions were phoned in for approval, but all were approved despite exceeding the credit limit.
- The writer assumed that if their purchases received telephone approval, they were still within their credit limit.
Consequences of Overspending
- Between August 7 and September 27, the writer made 12 purchases, exceeding their credit limit.
- They were charged a $10 fee for each of the 12 transactions, resulting in additional costs.
Importance of Credit Limit Awareness
- The writer did not keep a running record of their Visa account and credit purchases, leading to unawareness of their approaching credit limit.
- They would not have continued to make purchases if they had known they were over their credit limit.
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