When should an account be treated as "out of order"?

a. If the outstanding balance is less than the sanctioned limit/drawing power and no credits continuously for 90 days

b. If the outstanding balance is less than the sanctioned limit/drawing power and no credits continuously for 60 days

c. If the outstanding balance is less than the sanctioned limit/drawing power and no credits continuously for 30 days

d. If the outstanding balance is less than the sanctioned limit/drawing power and no credits continuously for one year

ANSWER: If the outstanding balance is less than the sanctioned limit/drawing power and no credits continuously for 90 days

Explanation:

If the outstanding balance remains continuously in excess of the sanctioned limit/drawing power and in cases where the outstanding balance is less than the sanctioned limit/drawing power, but there are no credits continuously for 90 days or the credits are not enough to cover the interest during the same period, then the account should be treated as "out of order".