Limit and Available Balance

Define the limits for your clients' operations and how the available balance is replenished.

Credit Line Limit

Credit cards can have a unique limit regardless of the type of transaction your customer performs. You can configure this limit within the values defined when creating your product, specifying a minimum value through the min field and a maximum value through the max field.

Available Balance

The available balance of the credit card determines the maximum amount that can be authorized according to all processed operations, charges, and payments.

Events that affect the available balance


Debits	Credits
Expenses related to the use of the credit card, including cash advances, purchases, and installment purchases. Transaction authorizations. Interest, taxes, fees, and any other expenses that may be incurred with the card. Contracted loans, including bill refinancing.	Bill payments, bonuses, and purchase refunds.

A credit event increases the available balance of the card, while a debit event decreases it.

Replenishment of the available balance

In this case, the limit for cash advances is a percentage of the limit for purchases. Therefore, to be able to make cash advances, it is necessary to have available balance for both concepts: purchases and cash advances.

How is the available balance replenished?

At the moment of payment, both available balances are replenished. Let's see an example!

LIMIT TYPE	CURRENT LIMIT
Purchases	$1,000
Cash advances	$400

Your client makes a cash advance of $400.

LIMIT TYPE	CALCULATION	CURRENT LIMIT
Purchases	$1,000 - $400	$600
Cash advances	$400 - $400	$0

Your client receives their statement and pays $200, then:

LIMIT TYPE	CALCULATION	CURRENT LIMIT
Purchases	$600 + $200	$800
Cash advances	$0 + $200	$200

Control of available balance replenishment