GET////
Retrieve details of the current delinquency state of a credit account.
An account is delinquent when it is past due on payments and current when it is up to date on payments.
URL path parameters
| Fields | Description |
|---|---|
| account_token string Required | Unique identifier of the credit account for which you want to retrieve delinquency state details. Send a GET request to /credit/accounts to retrieve existing credit account tokens.Allowable Values: Existing account token |
Response body
| Fields | Description |
|---|---|
| account_token string Returned | Unique identifier of the credit account. Allowable Values: Existing account token |
| is_delinquent boolean Returned | A value of true indicates that the account is currently delinquent.Allowable Values: true, false |
| date_account_delinquent datetime Conditionally returned | Date and time when the account last fell delinquent on the Marqeta platform, in UTC. If is_delinquent is false, a null value is returned.Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
| date_account_current datetime Conditionally returned | Date and time when the account was last made current on the Marqeta platform, in UTC. If the account was never delinquent, this field returns the date and time the account was created on the Marqeta platform, in UTC. If is_delinquent is true, a null value is returned.Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
| total_days_past_due integer Returned | Total number of days that the account is past due. Allowable Values: Any integer |
| delinquent_days_past_statement_end_date integer Conditionally returned | Total number of days that the account is past the oldest bucket’s statement end date. Allowable Values: Any integer |
| total_past_due decimal Returned | Total amount that is past due. Allowable Values: Format: 0.00 |
| current_due decimal Returned | Amount that is due for the current billing cycle. Allowable Values: Format: 0.00 |
| total_due decimal Returned | Total amount that is due for the current billing cycle; the sum of total_past_due_amount and current_due_amount.Allowable Values: Format: 0.00 |
| buckets array of objects Conditionally returned | One or more delinquency buckets for an account. Each delinquency bucket represents a billing cycle during which the account was delinquent. Allowable Values: One or more buckets objects |
| buckets[].bucket_number integer Returned | Delinquency bucket number in the returned array. Delinquency buckets are returned from most recent to least; the most recent delinquency bucket is 1.Allowable Values: Any integer |
| buckets[].payment_due_date datetime Returned | Date that the payment was due for this delinquency bucket. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ |
| buckets[].past_due_carried_forward decimal Returned | Amount that is past due and carried forward from previous delinquency buckets. Allowable Values: Format: 0.00 |
| buckets[].current_due decimal Returned | Current amount that is due for this delinquency bucket. Allowable Values: Format: 0.00 |
| buckets[].total_due decimal Returned | Total amount that is due for this delinquency bucket; the sum of past_due_carried_forward and current_due.Allowable Values: Format: 0.00 |
| buckets[].days_past_due integer Returned | Total number of days that the payment is past due for this delinquency bucket. Allowable Values: Any integer |
Sample response body
The following code block shows details of a delinquent account.JSON
{
"account_token": "account_token_123",
"is_delinquent": true,
"date_account_delinquent": "2024-03-01T04:59:59.999Z",
"date_account_current": null,
"total_days_past_due": 91,
"total_past_due": 100,
"current_due": 40,
"total_due": 140,
"buckets": [
{
"bucket_number": 1,
"payment_due_date": "2023-05-01T03:59:59.999Z",
"past_due_carried_forward": 60,
"current_due": 40,
"total_due": 100,
"days_past_due": 30
},
{
"bucket_number": 2,
"payment_due_date": "2024-04-01T03:59:59.999Z",
"past_due_carried_forward": 20,
"current_due": 40,
"total_due": 60,
"days_past_due": 60
},
{
"bucket_number": 3,
"payment_due_date": "2024-03-01T04:59:59.999Z",
"past_due_carried_forward": 0,
"current_due": 20,
"total_due": 20,
"days_past_due": 91
}
]
}
JSON
{
"account_token": "account_token_111",
"is_delinquent": false,
"date_account_delinquent": null,
"date_account_current": "2024-01-01T04:59:59.999Z",
"total_days_past_due": 0,
"total_past_due": 0,
"current_due": 100,
"total_due": 100,
"buckets": []
}