Credit check Invoice ageing wise

Hi all experts,

Kindly give me the solution on the below scenario:

For customer (12345), credit limit has been maintained as 5 lacs in FD32.
Credit utilised by this customer - 4.5 lacs.
So, customer still has 50k credit limit in his credit bucket.

Now the requirement is, in this credit exposure of 4.5 lacs, if there is any invoice(s) whose due is not cleared for last 90 days, system should restrict for next Sales Order or Delivery.

Is there a standard configuration for this?
Or can I use a field (Oldest Open Item) in OVA8 to meet this requirement?