Credit card accounts have a collection status whose value can be either NORMAL or OVERDUE.

If a customer fails to pay at least the minimum amount due (MAD) by a specified number of days after the due date, the account's collection status changes to OVERDUE and the account is blocked, so the customer cannot do a cash-out (purchase, cash withdrawal, and so on). You set the specified number of days in the program parameter Number of days to block the account for unpaid statement. If you don't set this parameter, it defaults to 10, and the account's status changes to OVERDUE on the day after the due date plus 10 days.

Note that changing the account collection status does not affect the account status, which can block cash-outs even if the collection status is NORMAL. Customers can create their own account statuses using the Create status endpoint, so whether a particular account status blocks cash-outs depends on how the customer defines it.

The following table summarizes the relationships between account collection status and account status.

Changing the account collection status

As explained in the previous section, the Number of days to block the account for unpaid statement parameter determines when the collection status changes from NORMAL to OVERDUE—specifically, it is the number of days after the due date before the account is blocked. If the account holder pays the MAD within that period, the collection status never changes to OVERDUE. Once the collection status is OVERDUE, it reverts to NORMAL automatically if the account holder makes a payment that exceeds the MAD.

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You can use the Update account collection status endpoint to change the account’s collection status based on your own rules, enabling or blocking the account from performing cash‑out operations according to the defined collection status.