What a participant's own payment record says about the terms they have earned: what they bought in the last twelve months, how often they paid, open disputes, and what they owe on terms — computed from orders they bought, never from the GRAJ Score.
What a participant's own payment record says about the terms they have earned: what they bought in the last twelve months, how often they paid, open disputes, and what they owe on terms — computed from orders they bought, never from the GRAJ Score.
It is an estimate, not an offer of credit; each brand decides the days and limit it grants. And it is separate from the GRAJ Score: neither number is an input to the other, so contributing more does not raise it and paying late does not lower your standing.
Every term here is one the protocol actually uses, defined for somebody who was never taught it — with the part that usually goes wrong. All terms →