3.2 Spending Credit Limit
Once credit limit has been assigned, spending credit limit of primary and supplementary are subjected to available share line, available primary card credit limit and available sup card credit limit of the customer.
To elaborate further:
• During authorization process, the system has to check for OTB (open-to-buy) at customer level and card level.
• If customer decides to have his line shared, system will need to check OTB at card level and customer level. However, if no share line applies, system will check OTB at card level only.