Payroll deducted, payment posted, and available credit can be different states

In one recent Tendo discussion, borrowers reported available credit falling even though they had not made a new draw. The original poster later said the next payroll deduction appeared as paid, but available credit increased by only PHP 200. Other commenters reported a salary deduction confirmed by Tendo or a posted payment while available credit still showed zero. A separate app review described a much larger displayed limit than the amount the user could actually transact. The reports do not establish whether these differences were risk changes, temporary display behavior, posting delays, employer-file timing, or another account-specific cause. They do show why four values should be recorded separately: amount deducted on the payslip, payment posted to the loan, total credit limit, and credit currently available to use. None of those alone guarantees the others, and available credit is not the same as cash already approved. Sources: Reddit · App reviews · Official guidance.