I’m trying to check a **Letter of Credit setup for my trade** and would really appreciate views from people who’ve seen docs get delayed or refused in practice before or heard of
**The structure**
• Commodity: refined copper cathodes
• Incoterm: CIF Asia
• Shipment: containers
• Payment: LC at sight
• Issuing bank: regional Asian bank, confirmed by EU bank
**Key LC clauses under discussion**
• Full set of clean on board B/Ls showing “freight prepaid”
• SGS certificate of quality and quantity at load port
• Certificate of origin issued by chamber of commerce
• Shipment period: 1–30 April
• Documents to be presented within 21 days after shipment
**What I’m trying to stress test this if you have any help I would love to hear**
* In your experience, do LC delays usually come from *known / predictable* documentary issues rather than random bank behavior?
* Looking at the clauses above, **is there anything here that you’d normally flag** ***before*** **shipment?**
* Have you seen **SGS wording, B/L freight references, or CoO timing** cause problems even when everyone thought it was ""standard”?
* At what stage does this typically get caught LC issuance, pre-shipment check, or only at document presentation?
If this trade got delayed at payment, **where would you realistically expect it to break first?**