Use the present perfect when speaking about an experience that has happened before the present moment when the time of the event remains unspecified.
The bank has made its loan application in a user-friendly format.
The bank has admitted liability in making a mistake on the cancelled check.
They've assigned a power of attorney for their elderly dad.
In this case, the present perfect is used to express an experience without giving precise details. Whenever you speak about something that has happened up to now without giving a precise point in time, use the present perfect.
He has checked his minimum balance in his account.
They have not had an opportunity to increase the limited partnership.
Have you checked the administrative expenses?
'Ever' and 'Never' with the Present Perfect
Use the present perfect with both 'ever' and 'never'. These time expressions are often used to to discuss experiences.
He has never paid any of his collection charges.
The bank manager has never asked for the personnel costs report before.
Place 'ever' or 'never' directly before the past participle in the question form.
Have you ever seen a pin pad with such large numbers?
Has Tom ever considered purchasing at a discount window?
'Never' means 'not ever' and is a negative form of the present perfect.