post https://uatmea-iss-apigw.creditpluspinelabs.com/apis/v1/services/helpdesk/loanAboveCreditLimit
This API is used to issue loan above credit limit on credit cards for requests received through various channels such as online banking or mobile banking. The Credit+ Issuing system receives, validates and processes the request. If the request is successful, the system logs the “Loan above Credit Limit” (Service Code: 241) service request (SR) and sends the service request details in the response message. If the request fails, the system returns the corresponding error code in the response and the SR is not logged.
HTTP Status and Response Status Matrix
- HTTP Code: This is the response status code issued by a server in response to a client's request made to the server.
- Error Code: This is the error code returned by Credit+ Issuing application in the ‘code’ field of the response message indicating if the request was processed successfully or failed.
- Reason: This is the description of the error code returned by Credit+ Issuing application.
| HTTP Code | Error Code | Reason |
|---|---|---|
| 201 | HDS000 | Request processed successfully. |
| 400 | 997 | Month’s data is invalid. |
| 400 | 997 | Customer Name field value must have max length 200. |
| 403 | 900 | Invalid User. |
| 404 | 998 | Device(s) does not exist. |
| 500 | 999 | Statement not available for last 3. |
| 400 | SCRV080 | Loan Amount is mandatory. |
| 400 | SCRV081 | ROI is mandatory. |
| 400 | SCRV082 | TENURE is mandatory. |
| 400 | SCRV083 | LOAN PLAN CODE is mandatory. |
| 400 | SCRV084 | BANK NAME is mandatory. |
| 400 | SCRV085 | CUSTOMER NAME WITH OTHER BANK is mandatory. |
| 400 | SCRV087 | SENDER IFSC is mandatory. |
| 400 | HDE187 | Service not allowed, DEVICE is not activated. |
| 400 | SCRV088 | Invalid LOAN PLAN CODE. |
| 400 | LOAN00009 | Loan Plan must be attached either to Program or Wallet Promotion. |
| 400 | LOAN00010 | Loan amount exceeded the maximum limit defined in loan parameters. |
| 400 | LOAN00011 | Applied loan amount exceeded the allowed amount. |
| 400 | LOAN00012 | Loan amount less than the minimum limit defined in loan parameters. |
| 400 | LOAN00013 | Interest rate must be in the range defined in loan parameters. |
| 400 | LOAN00015 | TENURE must be in the range defined in loan parameters. |
| 400 | LOAN00005 | Wallet UNPAID status is not normal. |
| 400 | LOAN00006 | Wallet ADMINISTRATIVE status is not normal. |
| 400 | LOAN00007 | Wallet BALANCE status is not normal. |
| 400 | LOAN00001 | Device Number is not present in System. |
| 400 | LOAN00003 | Multiple records for the Device. |
| 400 | CCRBO0048 | Loan is not allowed on add on Device. |
| 400 | CCRBO0049 | Device is not normal. Loan is not applicable for this device. |
| 400 | CCRBO0051 | Loan not allowed on expired device. |
| 400 | LOAN00002 | Device is in stoplist. |
| 400 | LBL001 | Invalid device number. |
| 400 | LMT002 | Error while fetching details from device. |
| 400 | RTL113 | Invalid WALLET. |
| 400 | RTL114 | Error While fetching wallet details. |
| 400 | LOAN00018 | Loan Plan not defined at Program Or Wallet. |
| 400 | LOAN00030 | Not eligible for loan offer. |
| 400 | HDE050 | Institution code is mandatory. |
| 400 | HDE051 | Device number is mandatory. |
| 400 | HDE052 | Service code is mandatory. |
| 400 | HDE053 | Error in fetching data from service_code_mst. |
| 400 | HDE187 | Service not allowed, Base DEVICE is not activated. |
| 400 | LOFR001 | Loan Offer is applicable for this institution. Please go to Loan offer button for booking loan. |
| 400 | LOAN00063 | Loan Above Credit limit Service allowed to Individual card only. |
| 400 | LOANCR001 | Loan Service is only applicable for Credit Cards. |
| 400 | CLMT010 | Invalid Client code. |
| 400 | CLMT011 | Error while fetching details from client. |
| 400 | CLMT012 | Invalid Wallet. |
| 400 | CLMT013 | Error while fetching details from Wallet. |
| 400 | LOAN00050 | Transaction is not selected. Please select the transaction to convert into loan. |
| 400 | LOAN00003 | No Wallet Details. |
| 400 | LOAN00024 | Not sufficient cash limit available to process the request. |
| 400 | LOAN00047 | Not sufficient credit limit available to process the request. |
| 400 | LOAN00023 | Credit Limit Not defined for device. |
| 400 | LOAN00014 | Moratorium period must be equal or less than defined in loan parameters. |
| 400 | LOAN00017 | EMI must be greater than or equal to defined in loan parameters. |
| 400 | LOAN00019 | Further loan is not allowed on this device. |
| 500 | RTL105 | Error while executing Retail Txn to Loan API. |
| 500 | LOAN00003 | Error in processing of ECA_EMI_CALC_AND_POST.ECA_LOAN_POSTING. |
| 400 | EMI0002 | Loan Plan not defined. |
| 400 | EMI0003 | Loan Type not defined. |
| 500 | LOAN00003 | Error while processing Loan into TRANS_CREDIT_TRANSACTION. |
| 500 | LOAN00003 | Error while processing Easy Pay Plan Loan. |