Send Credits Information
Send Credits Information retrieves a customer's credit records from the Credit Management System — outstanding balances, payment schedules, days past due, and loan terms. The customer must be authenticated and linked to CMS; otherwise the node routes to error.
When to Use It
Collection flows. When you need to show customers how much they owe, how many days they're overdue, and how to get current.
Account status. Let borrowers check their current loan status, remaining balance, and payment schedule.
Payment reminders. Display upcoming due dates and amounts so customers know what's coming.
The node returns an array of debt objects. Each includes the full payment schedule, current balance breakdown, and status. You can filter by status and substatus — for example, fetching only active loans that are overdue.
Configuration
| Option | Description |
|---|---|
partnerIdVariable | Variable containing the partner ID for CMS authentication (required) |
selectedVariable | Variable where the debt array will be stored |
Filters
| Option | Description |
|---|---|
status | Lifecycle status: pending, approved, active, closed |
subStatus | Detail status: overdue, due, paid, writeOff, canceled, refinancing, refinanced, active, rejected |
disbursedFrom | Debts disbursed on or after this date (YYYY-MM-DD) |
disbursedTo | Debts disbursed on or before this date |
oldestDueDateFrom | Oldest due date on or after this date |
oldestDueDateTo | Oldest due date on or before this date |
Pagination
| Option | Description |
|---|---|
offset | Skip first N records (default 0) |
limit | Maximum records to return (default 100, max 1000) |
sortBy | Field to sort by |
sortDirection | asc or desc (default asc) |
Set the partner ID earlier in your flow using a Set Variable node.
The output variable receives an array of debt objects. Each debt includes client info, loan terms, the full installment schedule, current balances, and days past due. See CMS Debts API for the complete response structure.
To display debt information to customers, reference the array in a Message node. You might show {{overdue_debts[0].balance.total.amount}} for the outstanding amount or {{overdue_debts[0].daysPastDue}} for days overdue.
Output Handles
| Handle | When |
|---|---|
| Continue | Debts retrieved successfully |
| Error | Missing configuration, borrower not linked to CMS, or API failure |