What is the Credit & performance page for?

Each supplier's credit line to each company of the group on one table: the limit, what is used, what is left, the share used and the status — with the line under Available saying what to pay this month to get room back, and a button that puts that supplier's bills into the open payment run. Xero has no supplier-side credit limit, so this register is the record. One button asks suppliers to confirm their limits through a short form, monthly if switched on; Supplier updates shows what they answered, applied at once with Undo. Payment practices reports how fast the group pays; Late payment claims prices a supplier's claim before you reply. You enter: A credit line — Add account, or Import from template — with the supplier, the company it is extended to, the limit, terms, the credit contact and guarantor; the link from a line to its supplier record where the suggestion was not sure; Ask suppliers to confirm limits — everyone, everyone shown, those over the limit or on hold, or one line — and the Every month switch; On a held line: Pay to clear the hold, or Cleared, take off hold once the supplier says so; Late payment claims: the supplier, the bills claimed and the contract's own late-payment clause. Saral fills: Used, live and never stored: the supplier's outstanding bills plus BillScan bills approved but not yet pushed; Available and the share used follow; the line under Available says what is due this month and what paying it frees; The status on every line — in limit, near, over, on hold, not linked — and the five figures above: total limit, used, available, on hold and over limit, with a dash wherever the read failed; Which lines are not yet linked to a supplier record, and the likely match from the company number, registered postcode, email domain and name, with a flag where only one identifier agrees; Our credit standing: each company's newest bureau score, the move since the one before, and when its accounts are next due; legal and final-demand letters BillScan has read; the proformas waiting for an invoice; Supplier updates: each answer to the confirm form or by email, read into the register — confirmed, changed, on hold, closed, no credit offered, not the right person — and the next step it needs; Payment practices: the share of bills paid within 30, 60 and over 60 days and the average days to pay, from the bills Xero holds as paid, with the count of paid bills carrying no payment date shown first. It produces: The credit register with its history of limit changes, and the ask to each supplier with its reminders; A supplier's bills added to the open payment run from its line, especially to clear a hold; The payment-practices figures a framework questionnaire asks for, as a spreadsheet carrying its own warnings, and a late-payment schedule pricing a claim both ways. Both are calculations over Xero's bills — nothing is stored and nothing is sent. Where the settings live: The monthly ask, which mailbox it is sent from, the reminder days and the tiers suppliers are reviewed on are Accounts → Settings → Credit Nurture (the monthly ask is off unless your account switched it on). The account-opening form and its profiles are Accounts → Settings → Account Opening. The supplier records a line links to are made on Accounts → Contact Harmonisation. Adding a supplier's bills to a run from here uses Payment Runs and its permission; the register itself opens on the Credit Control permission.