The source material indicates the banks can issue certified credsticks up to their maximum limit, which is indicated by their band. Why?
from what I can tell:
All certified credsticks, regardless of band cost the same to be buyer.
Once commissioned the band provides no indicator as to the credit on the stick at any time (multiple transactions from the same stick are possible)
I've seen no indicator that it can be 'topped up' with more credit.
Is it just a prestige thing, or have I misunderstood something?