[americanexpress] Behavior clarifications
I'm using this module with for my account on which I have 2 cards registered (main + supplementary). I'm currently facing different issues that can be summarized in: Balances provided do not match with web site (and so Kresus view neither)
I assume we should always have:
- Sum(History since opening) = Account Balance
- Sum(Coming) = Account Coming
But this is not the case because current code definition of "coming" transaction is based on current date while Account Coming is based on Period closing date thus there are transactions that are being accounted in Coming Balance that are reported in Transaction history.
Ambiguous positioning of main card vs supplementary
Fundamentally there is one account (AMEX) debited from n (2 in my case) cards and credited with payments to reimburse outstanding credit amount. AMEX is using the same id for the Parent account and the main card. The consequence is that it introduce some inconsistencies as balances reported for each card (as a boobank account) mismatch with hold transactions:
Debits from supplementary card are reflected within main card balance but not in its history
Credits are only reflected in main card balance thus:
- Supplementary card is never offset-ed
- Main card credit position is inflated
This is a big issue for systems like Kresus that relies only on transactions => computed balances never match Bank statement at card level
Total balance balance hold by main card is embedding the supplementary card balance should never be summed or it generated double-counting
Bug in reported Coming balance of supplementary card
Today (22/11/2019) the coming balance of supplementary card is debits_total_amount of period ending on "2019-10-23" which is basically the Month to date balance of last period.
On AMEX cards are not actual formal accounts: they reports the activity per cards per periods (and no balance per card) on one hand and the overall balance on the other.
To be workable properly in Kresus, I see 2 options:
Modelise 1 + n accounts:
- master one holding the credits
- n child accounts for each cards => Global balance shown in web site matching the sum of the 1 + n accounts (down side is that it endlessly grow each balance)
One single account and transactions are tagged with cards ID => no native support of this in kresus to follow up activity at card level but at least it is fully consistent with web site
Any thoughts anyone ??