> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Hold Spike, Microsoft Dynamics 365

> Credit Hold Spike for Microsoft Dynamics 365 stores. Tracked live in Vortex IQ Nerve Centre. How to read it, why it matters, and how to act on it.

**Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained)  •  **Category:** [Ecommerce Platform](/nerve-centre/connectors#connectors-by-type)

## At a glance

|                    |                                                                                          |
| ------------------ | ---------------------------------------------------------------------------------------- |
| **What it counts** | Alert when count of orders on Credit Hold exceeds 2 standard deviations vs 90D baseline. |
| **Tax treatment**  | n/a.                                                                                     |
| **Currency**       | Reporting Currency.                                                                      |
| **Time window**    | `30D`                                                                                    |
| **Alert trigger**  | `credit holds up >2σ vs baseline`                                                        |
| **Roles**          | owner, finance                                                                           |

## Calculation

Calculated automatically from your Microsoft Dynamics 365 data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

## Worked example

US distributor: baseline 8 holds/month, current 22 (+175%). 2σ spike fires alert. Likely cause: rising DSO compressing customer credit limits.

## Sibling cards merchants should reference together

| Card                                                                                                  | Why pair    |
| ----------------------------------------------------------------------------------------------------- | ----------- |
| [Orders on Credit Hold](/nerve-centre/kpi-cards/microsoft-dynamics/orders-on-credit-hold)             | Underlying. |
| [Customer Credit Utilisation](/nerve-centre/kpi-cards/microsoft-dynamics/customer-credit-utilisation) | Predictive. |
| [DSO](/nerve-centre/kpi-cards/microsoft-dynamics/days-sales-outstanding)                              | Driver.     |

## Reconciling against the vendor's own dashboard

**Where to look in Business Central:**

> See [Orders on Credit Hold](/nerve-centre/kpi-cards/microsoft-dynamics/orders-on-credit-hold) reconcile.

**Cross-connector reconciliation:**

Stripe payment failures often precede BC credit holds.

## Known limitations / merchant FAQs

**Threshold tuning?**
2σ default. Tighter = 1σ. Looser = 3σ.

**Seasonal noise?**
The 90D baseline normalises seasonal patterns.

***

### Tracked live in Vortex IQ Nerve Centre

*Credit Hold Spike* is one of hundreds of KPI pulses Vortex IQ tracks across Microsoft Dynamics 365 and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English.

[Start for free](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.