# Account limits

Every account on the Pismo platform has defined limits for different financial operations.

You can [list](https://developers.pismo.io/pismo-docs/reference/get-v1-account-limit)  all available limits on the account and [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) some of them. The following tables list all account limit fields available on the Pismo platform as they apply to credit and debit accounts.

<Callout icon="📘" theme="info">
  The [Update account limits (outdated)](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limit)  endpoint does not validate the account limit against the program’s global limit. To validate the account limit against the program’s global limit, use the [Update account limits](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) endpoint.
</Callout>

# Credit account limits

<Table align={["left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `available_credit_limit`
      </td>

      <td>
        Credit available to the customer. The platform calculates this value based on the initial `total_credit_limit` and any relevant debit and credit activity on the account.
      </td>
    </tr>

    <tr>
      <td>
        `available_monthly_credit`
      </td>

      <td>
        Deprecated
      </td>
    </tr>

    <tr>
      <td>
        `available_total_installment_credit`
      </td>

      <td>
        Amount available for installments
      </td>
    </tr>

    <tr>
      <td>
        `available_withdrawal_credit`
      </td>

      <td>
        Amount available for withdrawal. The platform calculates this value based on the initial\
        `withdrawal_credit_limit` and any debit and credit activity on the account that impacts the withdrawal credit limit.
      </td>
    </tr>

    <tr>
      <td>
        `max_credit_limit`
      </td>

      <td>
        Maximum credit limit approved for this account. Usually based on a credit analysis.

        You can [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) this value as needed.

        * **Note:** This is the same thing as `granted_limit` in the [Create account application](https://developers.pismo.io/pismo-docs/reference/post-acquisitions-v3-s2s-applications) endpoint.
      </td>
    </tr>

    <tr>
      <td>
        `monthly_credit_limit`
      </td>

      <td>
        Deprecated
      </td>
    </tr>

    <tr>
      <td>
        `percentage_over_limit`
      </td>

      <td>
        Maximum credit limit (`max_credit_limit`) percentage made available for purchases over the account credit limit.

        You can [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) this value as needed.

        * **Note:** When the credit limit is reached, the value of `available_credit_limit` field is negative in the event.
      </td>
    </tr>

    <tr>
      <td>
        `total_credit_limit`
      </td>

      <td>
        User-set total credit limit. This can be any value up to the `max_credit_limit`.

        You can [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) this value as needed.

        * **Note:** This is the same thing as `limit` in the [Create account application](https://developers.pismo.io/pismo-docs/reference/post-acquisitions-v3-s2s-applications)  endpoint.
      </td>
    </tr>

    <tr>
      <td>
        `total_installment_credit_limit`
      </td>

      <td>
        Amount limit for installments.

        You can [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) this value as needed.
      </td>
    </tr>

    <tr>
      <td>
        `withdrawal_credit_limit`
      </td>

      <td>
        Amount limit for withdrawal in credit programs. This value is calculated by multiplying `total_credit_limit`  and **Withdrawal limit percentage** (defined for the [program](https://developers.pismo.io/pismo-docs/docs/program-parameters-reference-table)).
      </td>
    </tr>
  </tbody>
</Table>

# Debit account limits

<Table align={["left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `available_credit_limit`
      </td>

      <td>
        Balance available to the customer. When there is an activity on the account, the platform determines whether to impact this limit and calculates it accordingly.
      </td>
    </tr>

    <tr>
      <td>
        `available_monthly_credit`
      </td>

      <td>
        Deprecated
      </td>
    </tr>

    <tr>
      <td>
        `available_savings_account_limit`
      </td>

      <td>
        Savings account available limit. This value is initially set at 0. When there is an activity on the account, the platform determines whether to impact this limit and calculates it accordingly.
      </td>
    </tr>

    <tr>
      <td>
        `held_funds`
      </td>

      <td>
        Funds held on the account. Usually, but not always, this occurs due to a legal action.

        This value is initially defined as `amount`  when [blocking amount](https://developers.pismo.io/pismo-docs/reference/post-payments-v1-hold-funds-block).
      </td>
    </tr>

    <tr>
      <td>
        `monthly_credit_limit`
      </td>

      <td>
        Deprecated
      </td>
    </tr>

    <tr>
      <td>
        `total_overdraft_limit`
      </td>

      <td>
        Maximum limit for overdraft spending.

        You can [update](https://developers.pismo.io/pismo-docs/reference/patch-v1-account-limits) this value as needed.
      </td>
    </tr>
  </tbody>
</Table>