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The Delinquency Simulator lets you view a Financial Account's current delinquency status and receivables by simulating past purchase and payment scenarios. In the Test Environment, this helps understand delinquency information and notification events.
The Delinquency Simulator allows you to test the following:
DELINQUENT_SUSPENDED Financial Account Attributes when the Account becomes delinquent and receiving the associated notification events
DELINQUENT_SUSPENDED Financial Account Attributes when the Account becomes current and receiving the associated notification events
To begin simulating delinquencies, you must issue a new Financial Account on your Credit Card Product. The Financial Account cannot have a closed billing cycle.
Use the following steps to simulate delinquency in your Test Environment:
You can repeat steps 3 and 4 to generate additional past billing statements. You must generate simulated billing statements from oldest to newest. For example, you must start by generating the oldest of the three to generate three billing statements.
To simulate multiple billing statements, you must generate simulated billing statements from oldest to newest. You cannot simulate the same past billing cycle more than once.
You can use the Account Aging Simulation once you have simulated receivables and payments on a Financial Account. To ensure your simulation results in a delinquent Financial Account, ensure the
OUTSTANDING_BALANCE_PAYABLE ledger on the Financial Account is greater than $0.
You must provide the number of past billing cycles you want the simulated billing statement to generate. The simulator will consider the unique calendar days of the Financial Account’s due date, billing period start date, and billing period end date for a past billing cycle’s statement:
DELINQUENT Attribute to the Financial Account, shift the current billing cycle with a positive
OUTSTANDING_BALANCE_PAYABLE back 2 or more cycles
DELINQUENT_SUSPENDED Attribute to the Financial Account, shift the current billing cycle with a positive
OUTSTANDING_BALANCE_PAYABLE back 5 or more cycles.
DELINQUENT_SUSPENDED Financial Account Attributes and make the account current, post a payment greater than or equal to the
The Financial Account you are performing the simulation for must be in its first billing cycle and cannot have a closed billing statement. We recommend issuing a new Financial Account at the time of the simulation.
Use the following mutation to simulate account aging:
Repayments may take up to 5 minutes to reflect on a Financial Account’s delinquency status.
You can simulate a repayment if your simulation results in a delinquent financial account. See Scheduled Repayments for more information.
In the Live Environment, the Highnote team will close an account with a
SUSPENDED status due to a charge-off event.
You can use the Delinquency Simulator in the Test Environment to simulate charging off a Financial Account. Use the steps outlined in How to Simulate Delinquency and in Step 4, shift an unpaid statement balance due back at least seven billing cycles to make the Financial Account's
totalDaysDelinquent >= 180 days.
At this time, the Financial Account Attribute of
CHARGE_OFF will be added and the Financial Account status will be set to