Credit Definitions
Account cannot go above assigned credit limit without financial review with RM. Client must send payment to have additional spend.
Hard Capped
Credit department closes
5pm CT
Is OSN- CASTP treated the same as CALCRD?
No, they should be treated like any other Commercial account
This payment type is considered confirmed funds
Wire payment
Account credit limit set at $1; client must provide funds in advance to use for payment via the payment account.
Pre-paid
Wire department closes
7pm CT
Wire payment made before 2pm CT. They are calling after 5pm CT and wire confirms we received payment. This is the screen you update in TSYS to make the funds available.
MCL
On the MCL screen in TSYS you put in these 4 digits in the officer field in order to do maintenance
0000
Temporary Reinstatement of Past Due suspended account.
B3
Wire payment cutoff time for same day processing
2pm CT
For Combined Corporate Accounts (CCA), if reviewed and approved for a temporary credit increase we make the funds available on these two accounts.
Where do you go to find the credit decision for a client?
CPMIS and click on the sticky note icon
VIP account. All charges authorized unless the account is coded lost or stolen. Typically, is only use for emergency situations and applied only by Credit.
AV
Access Online payment cutoff time
4pm CT
Wire payment sent and the account is more than one cycle past due. Do we need credit approval to make the wire available?
Yes
For an after-hours pending cardholder B3 request, where would an AC go to approve another AC's request?
Access Online under the Credit login and go to Credit work queue