Capital One Assessment Test Applied Techniques 3

Question 1

A customer's credit limit is $8,000 and their current balance is $2,960. What is their current utilization ratio?

Accepted Answer

37%

Answer

2,960 / 8,000 = 0.37, or 37%.

Question 2

A line graph shows new account approvals over 6 months: 1,200; 1,350; 1,100; 1,450; 1,300; 1,500. What is the trend?

Accepted Answer

Volatile with an overall upward trend

Answer

The numbers fluctuate but move from 1,200 to 1,500, indicating a volatile yet upward overall trend.

Question 3

A risk model assigns scores from 1–100. Accounts scoring below 40 are flagged for review. If 8% of 25,000 accounts score below 40, how many require review?

Accepted Answer

2,000

Answer

25,000 × 0.08 = 2,000 accounts.

Question 4

Two analysts interpret the same report. Analyst A concludes revenue grew 12% YoY; Analyst B concludes it declined 3%. The most likely cause is:

Accepted Answer

Both A and C are plausible causes

Answer

Both differing base periods and nominal vs. real adjustments can produce such divergent conclusions.

Question 5

A collections team contacts 500 delinquent customers. 60% make a payment after first contact, and 30% of the remaining pay after a second contact. How many total customers made a payment?

Accepted Answer

360

Answer

First contact: 500×0.60=300; Remaining 200×0.30=60; Total=360.

Capital One Assessment Test Practice Test

Capital One Assessment Test Practice Test

Capital One Assessment Test Applied Techniques 3