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			SDCreditRequirement sdCreditRequirement = sdCreditRequirementRepository.selectByFofoId(retailerId);
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			SDCreditRequirement sdCreditRequirement = sdCreditRequirementRepository.selectByFofoId(retailerId);
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			// Resolve effective credit days based on partner type (Diamond/Platinum=20, others=15)
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			// Resolve effective credit days based on partner type (Diamond/Platinum=20, others=15)
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			com.spice.profitmandi.dao.entity.fofo.PartnerType partnerType = partnerTypeChangeService.getTypeOnDate(retailerId, java.time.LocalDate.now());
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			com.spice.profitmandi.dao.entity.fofo.PartnerType partnerType = partnerTypeChangeService.getTypeOnDate(retailerId, java.time.LocalDate.now());
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			int effectiveCreditDays = (partnerType == com.spice.profitmandi.dao.entity.fofo.PartnerType.DIAMOND || partnerType == com.spice.profitmandi.dao.entity.fofo.PartnerType.PLATINUM)
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					? ProfitMandiConstants.PREMIUM_TIER1_DAYS : ProfitMandiConstants.DEFAULT_TIER1_DAYS;
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			int effectiveCreditDays = SDCreditServiceImpl.getTier1Days(partnerType);
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			AccountStatusResponseOut accountStatusResponseOut = new AccountStatusResponseOut();
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			AccountStatusResponseOut accountStatusResponseOut = new AccountStatusResponseOut();
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			BigDecimal availability = BigDecimal.ZERO;
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			BigDecimal availability = BigDecimal.ZERO;
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			if (creditAccount != null) {
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			if (creditAccount != null) {
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