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With IFRS 9, issuers will be looking at ways to prevent credit card accounts moving from stage 1, where they must provision for a 12-month expected loss (based on the balance and a proportion of the remaining limit), to stage 2, where this moves to a lifetime losses provision.
While pending transactions temporarily reduce your availablebalance, they dont affect your current balance until they clear. Bank holds Bank holds occur when funds are temporarily inaccessible, typically after check deposits, and last until the bank clears the check from the payer’s account.
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