# Account collection status

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)](https://developers.pismo.io/pismo-docs/docs/minimum-amount-due-calculation) 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](https://developers.pismo.io/pismo-docs/docs/accounts-overview#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](https://developers.pismo.io/pismo-docs/reference/v4-post-account-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.

| Collection status | Account status blocks cash-outs | Can the customer do a cash-out? |
| :---------------- | :------------------------------ | :------------------------------ |
| NORMAL            | N                               | Y                               |
| NORMAL            | Y                               | N                               |
| OVERDUE           | N                               | N                               |
| OVERDUE           | Y                               | N                               |

# 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.

<Callout icon="📘" theme="info">
  You can use the <Anchor label="Update account collection status" target="_blank" href="ref:changeaccountcollectionstatus">Update account collection status</Anchor> 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.
</Callout>

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