> ## 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, Oracle ERP Cloud

> Credit Hold Spike for Oracle ERP Cloud 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

> Anomaly alert: credit hold count or value rising >2 standard deviations above baseline. Signals tightening credit policy or worsening customer payment behaviour.

|                    |                                                                    |
| ------------------ | ------------------------------------------------------------------ |
| **What it counts** | Statistical anomaly on credit hold trend vs trailing 90D baseline. |
| **Currency**       | Reporting ledger.                                                  |
| **Time window**    | `30D`                                                              |
| **Alert trigger**  | `credit holds up >2σ vs baseline`                                  |
| **Roles**          | owner, finance                                                     |

## Calculation

Calculated automatically from your Oracle ERP Cloud data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

## Worked example

Baseline 22 holds / week; this week 48 holds. 2.3σ above baseline = alert fires. Drill: 18 of the 26 new holds are from one customer cohort tied to seasonal-end timing. Not systemic but worth tracking.

## Sibling cards merchants should reference together

| Card                                                                                          | Why pair    |
| --------------------------------------------------------------------------------------------- | ----------- |
| [Orders on Credit Hold](/nerve-centre/kpi-cards/oracle-erp/orders-on-credit-hold)             | Underlying. |
| [Customer Credit Utilisation](/nerve-centre/kpi-cards/oracle-erp/customer-credit-utilisation) | Cause.      |

## Reconciling against the vendor's own dashboard

**Where to look:**

Vortex IQ-derived statistical alert.

## Known limitations / merchant FAQs

**Threshold tunable?**
Yes; default 2σ.

***

### Tracked live in Vortex IQ Nerve Centre

*Credit Hold Spike* is one of hundreds of KPI pulses Vortex IQ tracks across Oracle ERP Cloud 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.