Hi Moazzam,
I agree with you that it is a limitation, however the approach still holds good.
Please understand the concept of the Risk Categories:
"Define Risk Categories
In this step, you define credit risk categories per credit control area. In a second step, you can allocate every customer to a risk category. The credit risk category will control all credit reviews. It is currently used as a selection criterion for the credit data list.
Activities
- 1. Define your credit risk categories.
- 2. Via the customer master record, you can allocate every customer to a credit risk category."
Source: SAP
Regards