3.1 Combined Line Strategy
AYCAP requires enhancement to VisionPlus to cater the additional functionality of incorporating credit limits at customer and card level of all credit card entities including KCC, GCS, TCS and KFC.
To elaborate further:
Customer Level
• For all card type of single account holders, the system would support specifying share credit limit at customer level by initially setting the share limit to be the same as the single account customer is holding.
• For all card type of multiple accounts holders, the system would combined all current credit line and specify share credit limit within the entity.
• However, in any case, if new card is applied without higher amount of income document submitting, this share credit line will remain the same.
• The system should also remain regular credit limit fields in case customers do not wish to share their credit line and make an opt-out request later.
• The system would support and additional flag at customer level to define whether this customer has decided to have their credit line shared