FINANCE AND CREDIT INFORMATION

Use this subtask to apply finance charges and set credit limits for customer accounts. You can also review a customer's account receivable information to determine a customer's available credit and other balance information.

You must set up the A/R Settings screen to allow for finance charges to be accrued before you can apply finance charges to a customer's account.

Customer Account

These fields display the customer account and description from the main screen.

Finance and Credit Information

Apply Finance Charges

Select this checkbox to apply finance charges to this customer. You cannot select this checkbox if you have not selected the Automatically Apply Finance Charges on Accounts checkbox in the A/R Settings screen. The system calculates finance charges by multiplying the number of days outstanding by the annual rate; this figure is then divided by 360 times the amount outstanding. In general, governmental agencies should not select this checkbox.

Number of Grace Days

This field automatically displays the Number of Grace Days field from the A/R Settings screen, but it can be changed. The number of grace days is the number of extra days, past the due date, that a customer can pay an account before finance charges accrue. You must select the Apply Finance Charges checkbox to enable this field.

Note:  If you select the Apply Finance Charges checkbox, you must enter a value in the Number of Grace Days field. If you leave this field blank, you cannot exit or save.

Annual Percent

This field automatically displays the value entered in the Annual field in the A/R Settings screen. Change this field only if you want to apply a different rate to this customer. The system will divide the rate by 360 to determine a daily rate. You must select the Apply Finance Charges checkbox to enable this field.

Note:  If you select the Apply Finance Charges checkbox, you must enter a value in the Number of Grace Days field. If you leave this field blank, you cannot exit or to save.

Credit Limit

Use this drop-down box to select a credit limit for this customer that reflects your company policy and procedures. If the available credit limits do not meet this criterion, you can set up additional credit limits in the Credit Limits screen in the Customer Controls menu. When you print customer statements, any amount over the credit limit will be included in the minimum monthly payment due.

Credit Number

If you use a credit rating service, enter the number that relates to this customer for that service. This field is optional and is not validated against other database information.

Credit Rating Code

Use this drop-down box to select a credit rating code for this customer. The credit rating codes are set up in the Credit Ratings screen. You may want to use the same rating codes that your rating service uses.

Rating Date

Enter the date on which the credit rating code took effect.

A/R Balance Information

The fields in this group are non-editable.

Outstanding A/R Balance

This balance is increased when accounts receivable are posted, and is decreased when cash receipts are posted.

Approved Order Balance

This balance is increased when Sales Orders are approved, and is decreased when invoices are posted.

Credit Remaining

The system derives this figure by adding the Outstanding A/R Balance to the Approved Order Balance and subtracting that total from the Credit Limit Balance.