Watch This Space, page-5376

Reducing a credit limit and authorising a hold on a part of limit are 2 different things.

Live credit limit adjustments by a Banks based on many inputs on customers financial situation and use of AI is something that I have thought could be a thing. And also therefore a work around spt patent by banks if they use it to issue credit by another means and reduce their risk...a BNPL "account" offering that is offset by customers pre approved credit.

Just say Banks can reduce (not hold) a consumers credit card limit in real time (live and not by paper application by consumer) as they issue a credit(loan) by a different means to be paid back in installments.

Technology advances by Visa/MC allow these different kind of products to be created by banks/issuers and become more nimble to compete with other finetech.

Just thoughts.