When Clients Ask for O/A Credit Terms

T/T and L/C each have their place. T/T is simpler with lower fees — ideal for repeat clients. L/C is more secure but complex — suitable for large orders. My rule: T/T under $500K, L/C above.

L/C document checking is a technical skill. Common discrepancies: invoice exceeds L/C amount, shipment after deadline, inconsistencies between documents. Any discrepancy can trigger bank refusal. Check meticulously.