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You cannot create a Refresh Intent while another is in progress

If you create a Refresh Intent while another is in progress, the API returns this error:

Wait 5 minutes before creating a new Refresh Intent

If a Refresh Intent succeeded less than 5 minutes ago, the API returns this error:
If a Refresh Intent failed less than 5 minutes ago, you can create another without waiting.

The credentials are invalid

If Fintoc confirms that the credentials are invalid, the API returns this error:
If the bank reports invalid credentials before Fintoc confirms the report, the API returns this error: