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Set and Update Credit Limits

Overview​

For credit, charge, and fleet card products, you can create or update a credit limit for an account holder's financial account based on your underwriting criteria, agreements, and product guidelines. The credit limit establishes a maximum spending limit for a given period, and authorizations exceeding the credit limit will be declined.

Once you have created a credit limit, you can update it as you factor in new information, such as changes in your customers' financial situations. As part of this feature, Highnote tracks the total credit extended to your account holders' financial accounts and ensures the extended credit does not exceed your card product’s limits.

Set credit limit​

info

Setting or updating a credit limit is an asynchronous process with the Highnote team to ensure your ledger balances and validations are accurate.

To set a financial account credit limit, provide the financialAccountId and the credit limit amount and currency to assign to the financial account. Your product funding financial account must have funds equal to or exceeding any credit limit you extend to your account holders.

Use the following mutation to set a credit limit:

InitiateFinancialAccountCreditLimitUpdateFromProductFunding​
Query
mutation InitiateFinancialAccountCreditLimitUpdateFromProductFunding(
  $input: InitiateFinancialAccountCreditLimitUpdateFromProductFundingInput!
) {
  initiateFinancialAccountCreditLimitUpdateFromProductFunding(input: $input) {
    __typename
    ... on FinancialAccountCreditLimitUpdateFromProductFunding {
      id
      status
      statusReason
      createdAt
      updatedAt
      memo
      amount {
        value
        currencyCode
      }
    }
    ... on UserError {
      errors {
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
Variables
{
  "input": {
    "financialAccountId": "FINANCIAL_ACCOUNT_ID",
    "memo": "Set Limit",
    "amount": {
      "value": 100,
      "currencyCode": "USD"
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "initiateFinancialAccountCreditLimitUpdateFromProductFunding": {
      "__typename": "FinancialAccountCreditLimitUpdateFromProductFunding",
      "id": "FINANCIAL_ACCOUNT_ID",
      "status": "PENDING",
      "statusReason": null,
      "createdAt": "2022-06-21T18:01:28.992Z",
      "updatedAt": "2022-06-21T18:01:28.993Z",
      "memo": null,
      "amount": {
        "value": 100,
        "currencyCode": "USD"
      }
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}

Check credit limit status​

Once you have requested to set or update the credit limit on a financial account, you can query for and display the following statuses:

StatusDescription
PENDINGThe platform is validating and executing the credit limit update.
PROCESSINGThe platform has started processing the credit limit update.
COMPLETEDThe platform has completed the credit limit update.
FAILEDThe platform could not complete the limit update. See statusReasonCode for more information.

statusReasonCode has the following values:

Status Reason CodeDescription
ACCOUNT_CLOSEDThe associated product funding account or financial account is closed.
ACCOUNT_NOT_FOUNDThe financial account was not found.
INSUFFICIENT_FUNDSThe associated product funding account did not have enough funds to cover the requested amount.
LIMIT_AMOUNT_EXCEEDING_MAX_PROGRAM_LOAD_LIMITThe requested amount is more than the maximum product credit limit.

Use the following query to check the status of a credit limit update:

FindFinancialAccountCreditLimitUpdate​
Query
query FindFinancialAccountCreditLimitUpdate($id: ID!) {
  node(id: $id) {
    ... on FinancialAccountCreditLimitUpdateFromProductFunding {
      id
      status
      statusReason
      amount {
        value
      }
      memo
      ledgers {
        name
        debitBalance {
          value
        }
        creditBalance {
          value
        }
        financialAccount {
          name
        }
      }
      createdAt
      updatedAt
    }
  }
}
Variables
{
  "id": "CREDIT_LIMIT_UPDATE_ID"
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "node": {
      "__typename": "FinancialAccountCreditLimitUpdateFromProductFunding",
      "id": "CREDIT_LIMIT_UPDATE_ID",
      "status": "COMPLETED",
      "statusReason": null,
      "amount": {
        "value": 100
      },
      "memo": null,
      "ledgers": [
        {
          "name": "CREDIT_OUTSTANDING",
          "debitBalance": {
            "value": 999800
          },
          "creditBalance": {
            "value": 0
          },
          "financialAccount": {
            "name": "Fleet - Product Funding Account"
          }
        },
        {
          "name": "AVAILABLE_CREDIT",
          "debitBalance": {
            "value": 0
          },
          "creditBalance": {
            "value": 999800
          },
          "financialAccount": {
            "name": "Fleet - Product Funding Account"
          }
        },
        {
          "name": "ALLOCATED_CREDIT_LIMIT",
          "debitBalance": {
            "value": 100
          },
          "creditBalance": {
            "value": 0
          },
          "financialAccount": {
            "name": "Fleet - Product Funding Account"
          }
        },
        {
          "name": "CREDIT_OUTSTANDING",
          "debitBalance": {
            "value": 100
          },
          "creditBalance": {
            "value": 0
          },
          "financialAccount": {
            "name": "Fleet - Card Holder Account"
          }
        },
        {
          "name": "AVAILABLE_CREDIT",
          "debitBalance": {
            "value": 0
          },
          "creditBalance": {
            "value": 100
          },
          "financialAccount": {
            "name": "Fleet - Card Holder Account"
          }
        },
        {
          "name": "ACCOUNT_HOLDER_CREDIT_LIMIT",
          "debitBalance": {
            "value": 0
          },
          "creditBalance": {
            "value": 100
          },
          "financialAccount": {
            "name": "Fleet - Card Holder Account"
          }
        }
      ],
      "createdAt": "2022-06-21T00:46:49.747Z",
      "updatedAt": "2022-06-21T00:47:02.431Z"
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}

Update a credit limit​

To increase or decrease a financial account credit limit, you must create a credit limit change request case. Credit limit updates fall into two categories:

  • Proactive: Requested by you
  • Reactive: Requested by your account holders

Each credit limit update -- increase or decrease, proactive or reactive -- may have a credit policy associated with your card product. Creating a credit limit change request case triggers the workflows necessary to make an underwriting decision. The underwriting decision for a credit limit update may be executed by you or Highnote, depending on your card program's credit policies.

Create credit limit change request​

To request a credit limit change for a financial account, you must provide:

  • Financial account ID
  • Requested change type, increase or decrease

If you are running your own underwriting for credit limit updates, subscribe to the following notification event to receive updates when a credit limit change request is made: CREDIT_LIMIT_CHANGE_REQUEST_UNDERWRITING_DECISION_REQUESTED

The following mutation can be used to create the credit limit change request:

CreateCreditLimitChangeRequest​
Query
mutation createCreditLimitChangeRequest(
  $input: CreateCreditLimitChangeRequestInput!
) {
  createCreditLimitChangeRequest(input: $input) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        status
        createdAt
        updatedAt
      }
    }
    ... on UserError {
      __typename
      errors {
        description
        code
      }
    }
  }
}
Variables
{
  "input": {
    "financialAccountId": "FINANCIAL_ACCOUNT_ID",
    "requestedChange": {
      "requestedChangeType": "INCREASE",
      "requestedCreditLimit": {
        "value": 2000000,
        "currencyCode": "USD"
      },
      "requestor": "SUBSCRIBER"
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "createCreditLimitChangeRequest": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": "FINANCIAL_ACCOUNT_ID",
      "status": "INITIATED",
      "requestedChange": {
        "requestedChangeType": "INCREASE",
        "requestedCreditLimit": {
          "value": "2500000",
          "currencyCode": "USD"
        },
        "requestor": "SUBSCRIBER"
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

View credit limit change request​

To view the status of a credit limit change request, use the following query and the CREDIT_LIMIT_CHANGE_REQUEST_ID:

nodeAccountReviewCase​
Query
query nodeAccountReviewCase($id: ID!) {
  node(id: $id) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        status
        statusHistory {
          previousStatus
          newStatus
          createdAt
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        existingCreditLimit {
          value
          currencyCode
        }
        updatedCreditLimit {
          value
          currencyCode
        }
        customerDetails {
          currentDebtObligations {
            value
            currencyCode
          }
          annualIncome {
            value
            currencyCode
          }
          externalFinancialAccountBalance {
            value
            currencyCode
          }
          adverseActionReasons {
            code
          }
        }
        createdAt
        updatedAt
        closedAt
      }
    }
  }
}
Variables
{
  "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID"
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "lookupCreditLimitChangeRequest": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": "FINANCIAL_ACCOUNT_ID",
      "status": "INITIATED",
      "statusHistory": [
        {
          "previousStatus": null,
          "newStatus": "INITIATED",
          "createdAt": "2024-01-01T00:00:00.000Z"
        }
      ],
      "requestedChange": {
        "requestedChangeType": "INCREASE",
        "requestedCreditLimit": {
          "value": "2500000",
          "currencyCode": "USD"
        },
        "requestor": "SUBSCRIBER"
      },
      "customerDetails": {
        "currentDebtObligations": {
          "value": "1000000"
        },
        "annualIncome": {
          "value": "10000000"
        },
        "adverseActionReasons": null
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

Approve or deny the request​

If you are running your own underwriting, you must provide the variables required to decision a credit limit change request based on your credit policy.

In the Test environment, use the following variables to approve or deny an increase or decrease credit limit change request. Note the following about credit limit change requests and adverse action reasons:

  • Credit limit decreases always require an Adverse Action reason
  • Credit limit increases always require an Adverse Action reason when the requestor is the customer and the request is denied
Credit limit change request typeRequired variables
Credit limit increaseAnnual income
Current debt obligations
Adverse Action reason (if denied)
Credit limit decreaseExternal bank account balance
Adverse Action reasons (if the request is approved)

Approve credit limit increase​

Use the following mutation to approve a credit limit increase request:

ApproveCreditLimitIncrease​
Query
mutation approveCreditLimitIncrease($input: ApproveCreditLimitIncreaseInput!) {
  approveCreditLimitIncrease(input: $input) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        status
        statusHistory {
          previousStatus
          newStatus
          createdAt
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        existingCreditLimit {
          value
          currencyCode
        }
        customerDetails {
          currentDebtObligations {
            value
            currencyCode
          }
          annualIncome {
            value
            currencyCode
          }
          externalFinancialAccountBalance {
            value
            currencyCode
          }
        }
        createdAt
        updatedAt
        closedAt
      }
    }
    ... on UserError {
      errors {
        code
        description
        errorPath
      }
    }
  }
}
Variables
{
  "input": {
    "creditLimitChangeRequestId": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
    "updatedCreditLimit": {
      "value": 2000000,
      "currencyCode": "USD"
    },
    "customerDetails": {
      "currentDebtObligations": {
        "value": 1000000,
        "currencyCode": "USD"
      },
      "annualIncome": {
        "value": 10000000,
        "currencyCode": "USD"
      }
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "approveCreditLimitIncrease": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": "FINANCIAL_ACCOUNT_ID",
      "status": "PENDING",
      "statusHistory": [
        {
          "previousStatus": "INITIATED",
          "newStatus": "PENDING",
          "createdAt": "2024-01-01T00:00:00.000Z"
        }
      ],
      "requestedChange": {
        "requestedChangeType": "INCREASE",
        "requestedCreditLimit": {
          "value": "2500000",
          "currencyCode": "USD"
        },
        "requestor": "SUBSCRIBER"
      },
      "existingCreditLimit": {
        "value": "2000000",
        "currencyCode": "USD"
      },
      "updatedCreditLimit": null,
      "customerDetails": {
        "currentDebtObligations": {
          "value": "1000000",
          "currencyCode": "USD"
        },
        "annualIncome": {
          "value": "10000000",
          "currencyCode": "USD"
        },
        "externalFinancialAccountBalance": {
          "value": "1000000",
          "currencyCode": "USD"
        },
        "adverseActionReasons": null
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z",
      "closedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

Deny credit limit increase​

Use the following mutation to deny a credit limit increase request:

DenyCreditLimitIncrease​
Query
mutation denyCreditLimitIncrease($input: DenyCreditLimitIncreaseInput!) {
  denyCreditLimitIncrease(input: $input) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        status
        statusHistory {
          previousStatus
          newStatus
          createdAt
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        existingCreditLimit {
          value
          currencyCode
        }
        customerDetails {
          currentDebtObligations {
            value
            currencyCode
          }
          annualIncome {
            value
            currencyCode
          }
          externalFinancialAccountBalance {
            value
            currencyCode
          }
        }
      }
      createdAt
      updatedAt
      closedAt
    }
    ... on UserError {
      __typename
      errors {
        code
        description
      }
    }
  }
}
Variables
{
  "input": {
    "creditLimitChangeRequestId": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
    "adverseActionReasons": [
      "BANKRUPTCY"
    ],
    "customerDetails": {
      "currentDebtObligations": {
        "value": 1000000,
        "currencyCode": "USD"
      },
      "annualIncome": {
        "value": 10000000,
        "currencyCode": "USD"
      }
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "denyCreditLimitIncrease": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": {
        "id": "FINANCIAL_ACCOUNT_ID",
        "externalId": "EXTERNAL_ID",
        "name": "NAME"
      },
      "status": "DENIED",
      "statusHistory": [
        {
          "previousStatus": "INITIATED",
          "newStatus": "DENIED",
          "createdAt": "2024-01-01T00:00:00.000Z"
        }
      ],
      "requestedChange": {
        "requestedChangeType": "INCREASE",
        "requestedCreditLimit": {
          "value": "2500000",
          "currencyCode": "USD"
        },
        "requestor": "CUSTOMER"
      },
      "existingCreditLimit": {
        "value": "2000000",
        "currencyCode": "USD"
      },
      "updatedCreditLimit": {
        "value": "2500000",
        "currencyCode": "USD"
      },
      "customerDetails": {
        "currentDebtObligations": {
          "value": "1000000"
        },
        "annualIncome": {
          "value": "10000000"
        },
        "externalFinancialAccountBalance": {
          "value": "1000000"
        },
        "adverseActionReasons": [
          "BANKRUPTCY"
        ]
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z",
      "closedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

Approve credit limit decrease​

Use the following mutation to approve a credit limit decrease:

ApproveCreditLimitDecrease​
Query
mutation approveCreditLimitDecrease($input: ApproveCreditLimitDecreaseInput!) {
  approveCreditLimitDecrease(input: $input) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        status
        statusHistory {
          previousStatus
          newStatus
          createdAt
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        existingCreditLimit {
          value
          currencyCode
        }
        customerDetails {
          currentDebtObligations {
            value
            currencyCode
          }
          annualIncome {
            value
            currencyCode
          }
          externalFinancialAccountBalance {
            value
            currencyCode
          }
          adverseActionReasons {
            code
          }
        }
        createdAt
        updatedAt
        closedAt
      }
    }
    ... on UserError {
      __typename
      errors {
        code
        description
      }
    }
  }
}
Variables
{
  "input": {
    "creditLimitChangeRequestId": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
    "updatedCreditLimit": {
      "value": 1500000,
      "currencyCode": "USD"
    },
    "adverseActionReasons": [
      "BANKRUPTCY"
    ],
    "customerDetails": {
      "externalFinancialAccountBalance": {
        "value": 1000000,
        "currencyCode": "USD"
      }
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "approveCreditLimitDecrease": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": "FINANCIAL_ACCOUNT_ID",
      "status": "PENDING",
      "statusHistory": [
        {
          "previousStatus": "INITIATED",
          "newStatus": "PENDING",
          "createdAt": "2024-01-01T00:00:00.000Z"
        }
      ],
      "requestedChange": {
        "requestedChangeType": "DECREASE",
        "requestedCreditLimit": {
          "value": "1500000",
          "currencyCode": "USD"
        },
        "requestor": "SUBSCRIBER"
      },
      "existingCreditLimit": {
        "value": "2000000",
        "currencyCode": "USD"
      },
      "updatedCreditLimit": null,
      "customerDetails": {
        "externalFinancialAccountBalance": {
          "value": "1000000",
          "currencyCode": "USD"
        },
        "adverseActionReasons": [
          "BANKRUPTCY"
        ]
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z",
      "closedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

Deny credit limit decrease​

Use the following mutation to deny a credit limit decrease:

DenyCreditLimitDecrease​
Query
mutation denyCreditLimitDecrease($input: DenyCreditLimitDecreaseInput!) {
  denyCreditLimitDecrease(input: $input) {
    __typename
    ... on AccountReview {
      ... on CreditLimitChangeRequest {
        id
        financialAccount {
          id
          externalId
          name
        }
        status
        statusHistory {
          previousStatus
          newStatus
          createdAt
        }
        requestedChange {
          requestedChangeType
          requestedCreditLimit {
            value
            currencyCode
          }
          requestor
        }
        existingCreditLimit {
          value
          currencyCode
        }
        customerDetails {
          currentDebtObligations {
            value
            currencyCode
          }
          annualIncome {
            value
            currencyCode
          }
          externalFinancialAccountBalance {
            value
            currencyCode
          }
        }
        createdAt
        updatedAt
        closedAt
      }
    }
    ... on UserError {
      __typename
      errors {
        code
        description
      }
    }
  }
}
Variables
{
  "input": {
    "creditLimitChangeRequestId": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
    "customerDetails": {
      "externalFinancialAccountBalance": {
        "value": 1000000,
        "currencyCode": "USD"
      }
    }
  }
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
  "data": {
    "denyCreditLimitDecrease": {
      "__typename": "CreditLimitChangeRequest",
      "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
      "financialAccount": "FINANCIAL_ACCOUNT_ID",
      "status": "DENIED",
      "statusHistory": [
        {
          "previousStatus": "INITIATED",
          "newStatus": "DENIED",
          "createdAt": "2024-01-01T00:00:00.000Z"
        }
      ],
      "requestedChange": {
        "requestedChangeType": "DECREASE",
        "requestedCreditLimit": {
          "value": "2000000",
          "currencyCode": "USD"
        },
        "requestor": "SUBSCRIBER"
      },
      "existingCreditLimit": {
        "value": "2000000",
        "currencyCode": "USD"
      },
      "updatedCreditLimit": {
        "value": "2000000",
        "currencyCode": "USD"
      },
      "customerDetails": {
        "externalFinancialAccountBalance": {
          "value": "1000000",
          "currencyCode": "USD"
        },
        "adverseActionReasons": [
          "BANKRUPTCY"
        ]
      },
      "createdAt": "2024-01-01T00:00:00.000Z",
      "updatedAt": "2024-01-01T00:00:00.000Z",
      "closedAt": "2024-01-01T00:00:00.000Z"
    }
  }
}

View credit limit request history​

Use the following query to view the history of credit limit change requests on a financial account:

lookupCreditLimitRequestHistory​
Query
query lookupCreditLimitRequestHistory($id: ID!) {
  node(id: $id) {
    __typename
    ... on FinancialAccount {
      id
      accountReviewHistory {
        __typename
        ... on AccountReviewConnection {
          pageInfo {
            hasNextPage
            hasPreviousPage
            endCursor
            startCursor
          }
          edges {
            cursor
            node {
              __typename
              ... on CreditLimitChangeRequest {
                id
                financialAccount {
                  id
                  externalId
                  name
                }
                status
                statusHistory {
                  previousStatus
                  newStatus
                  createdAt
                }
                requestedChange {
                  requestedChangeType
                  requestedCreditLimit {
                    value
                    currencyCode
                  }
                  requestor
                }
                existingCreditLimit {
                  value
                  currencyCode
                }
                updatedCreditLimit {
                  value
                  currencyCode
                }
                customerDetails {
                  currentDebtObligations {
                    value
                    currencyCode
                  }
                  annualIncome {
                    value
                    currencyCode
                  }
                  externalFinancialAccountBalance {
                    value
                    currencyCode
                  }
                  adverseActionReasons {
                    code
                  }
                }
                createdAt
                updatedAt
                closedAt
              }
            }
          }
        }
        ... on UserError {
          __typename
          errors {
            errorPath
            code
            description
          }
        }
        ... on AccessDeniedError {
          __typename
          message
        }
      }
    }
  }
}
Variables
{
  "id": "FINANCIAL_ACCOUNT_ID"
}
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Result
{
  "data": {
    "node": {
      "__typename": "FinancialAccount",
      "accountReviewHistory": [
        {
          "__typename": "CreditLimitChangeRequest",
          "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
          "status": "APPROVED",
          "requestedChange": {
            "requestedChangeType": "INCREASE",
            "requestedCreditLimit": {
              "value": "2500000",
              "currencyCode": "USD"
            },
            "requestor": "SUBSCRIBER"
          },
          "existingCreditLimit": {
            "value": "2000000",
            "currencyCode": "USD"
          },
          "updatedCreditLimit": {
            "value": "2500000",
            "currencyCode": "USD"
          },
          "customerDetails": {
            "currentDebtObligations": {
              "value": "1000000",
              "currencyCode": "USD"
            },
            "annualIncome": {
              "value": "10000000",
              "currencyCode": "USD"
            },
            "adverseActionReason": null
          },
          "createdAt": "2024-01-01T00:00:00.000Z",
          "updatedAt": "2024-01-01T00:00:00.000Z",
          "closedAt": "2024-01-01T00:00:00.000Z"
        }
      ]
    }
  }
}