Which of the following points is/are "correct" with respect to the step taken by the Reserve Bank of India (RBI) in September 2023?

A) RBI circular titled 'Operation of Pre-Sanctioned Credit Lines at Banks through UPI' announced the inclusion of pre-sanctioned credit lines as funding accounts in the Unified Payments Interface (UPI).

B) The circular applies to Scheduled Commercial Banks, excluding Payment Banks, Small Finance Banks, and Regional Rural Banks.

C) Banks can establish terms and conditions for the use of these credit lines, including credit limits, credit periods, and interest rates, in accordance with their board-approved policies.