Field

Description

Overall Credit Limit

Mnemonic: CIOVCL

This is the overall amount for which the borrower has been approved. All loans for which the borrower is responsible should not exceed this amount.

Overall Cycle Date

Mnemonic: CIOVCD

This is the date of the overall payoff and cash available calculation. If the date is blank, that means there has been activity and the system will recalculate the overall payoff and cash available in the afterhours.

The following teller transactions will clear the Overall Cycle Date, which triggers it to update during the afterhours.

The payment transactions will only clear the date if the transaction is run online; batch payments (run during the afterhours) will not clear the date.

Overall Payoff Amount

Mnemonic: CIOVPO

This is the sum of the payoffs for that Social Security number, as of the overall cycle date. Multiple accounts can be tied to one SSN, so it is the sum of all payoffs on all accounts tied to that SSN.

Overall Cash Available

Mnemonic: CIOVCA

This figure is calculated by subtracting the Overall Payoff Amount from the Overall Credit Limit. If the calculation results in a negative number, the Overall Cash Available will be zero. This is the remaining amount of money this account owner is allowed to borrow from your institution.

Real Estate

Mnemonic: CIRECL

This is the maximum dollar amount this account owner can borrow for a real estate loan, as approved by your institution.

Unsecured Credit Limit

Mnemonic: CIUSCL

This is the maximum dollar amount this borrower has been approved for in regards to unsecured debt–debt not secured by an underlying asset or collateral.

Auto

Mnemonic: CIAUCL

This is the maximum dollar amount this account owner can borrow for an auto loan, as approved by your institution.