Credit control sales area wise

Dear Friends,

Sales organisation model is

my company is distributor for all manufacturers, it will take care of credit control

so we proposed a sales area which resembles like this Mumbai -glaxo- pharma,

Mumbai -Novartis- pharma(sales org-disti chnl-divison) etc.

this sales areas will contain all customer and materials of glaxo

some of the stockists are stockists for both glaxo and novartis so I extend the customer

to one more sales area

if I maintain credit control areas w.r.t to sales area wise what are the implications

will ready to be happen?

how can I monitor the total credit for the customer?

is it necessary to assign a credit control at company code level?

The process i proposed here is

I will assign credit control at sales area level

and I will maintain credit limit details at FD32

so I can assign credit controls per sales area wise for same customer .

What are the pros and cons of this process?

Waiting for replies,

Thanks