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Payment with block and not relevant for Credit Limit

Dears

We receive from customer certain deposits which we retain for a certain time.

This deposit should not also considered for credit limit check.

I tried to configure a special GL with setting 'not relevant for credit check'. But the problem is I am not able to give a 'payment block' in the item.

Did anybody of you have the same situation ? Please give inputs to meet this.

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