3.3 Payment/Payment Hierarchy
Payment should be made at account level regardless whether customer has shared his credit line or not and share OTB/ card OTB should be released once payment is made.
To elaborate further:
• Payment Hierarchy remains the same at account level.
• Fee & interest are posted at account level while retail/cash/EPP/PPI/PA/utilities are posted at card level.
• All payment is received at account level. Customers can only make payment to the card he has used for spending.
• As stated previously, OTB will be calculated at card level and customer level. Once any card is paid OTB of all cards will be released same as the amount paid but cap at each card credit limit.
• In case of overpaid, sup card will not be eligible to use the overpaid amount.
Scenario 1: The payment is higher than credit limit of Supplementary card.
And OTB primary card more than Credit limit of Supplementary card.