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 an OVERDUE collection status back to NORMAL

If an account's collection status is OVERDUE, but the account holder pays the MAD before the account is closed, the collection status should revert to NORMAL.

If an account's collection status is OVERDUE, but the account holder pays the MAD before the account is closed, the collection status should revert to NORMAL. This can happen in one of two ways.

1. If you provide a value for the Number of days to block the account for unpaid statement program parameter, the Pismo platform automatically reverts the collection status to NORMAL if the account holder pays the MAD within that time period.
2. If you do not provide a value for Number of days to block the account for unpaid statement,  you must use the Update account collection status endpoint to revert the collection status.