> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# Credit Accounts
> Use Credit Accounts to create and manage accounts on Marqeta's credit platform.
export const EndpointCard = ({method = "API", title, children, href, arrow = true}) => {
const METHOD_STYLES = {
GET: {
bg: "mint-bg-green-400/20 dark:mint-bg-green-400/20",
text: "mint-text-green-700 dark:mint-text-green-400",
border: "mint-border-green-300 dark:mint-border-green-700"
},
POST: {
bg: "mint-bg-blue-400/20 dark:mint-bg-blue-400/20",
text: "mint-text-blue-700 dark:mint-text-blue-400"
},
PUT: {
bg: "mint-bg-yellow-400/20 dark:mint-bg-yellow-400/20",
text: "mint-text-yellow-700 dark:mint-text-yellow-400"
},
PATCH: {
bg: "mint-bg-orange-400/20 dark:mint-bg-orange-400/20",
text: "mint-text-orange-700 dark:mint-text-orange-400"
},
DELETE: {
bg: "mint-bg-red-400/20 dark:mint-bg-red-400/20",
text: "mint-text-red-700 dark:mint-text-red-400"
},
API: {
bg: "mint-bg-black",
text: "mint-text-white"
}
};
const MethodBadge = ({method}) => {
const style = METHOD_STYLES[method?.toUpperCase()] ?? METHOD_STYLES.GET;
return
{method?.toUpperCase()}
;
};
const content =
{}
{}
{title}
{children &&
{children}
}
Create account
**Action:** `POST`\
**Endpoint:** `/credit/accounts`
Create a new credit account.
Request body
| Fields | Description |
| -------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Optional | Unique identifier of the credit account.
**Allowable Values:**
36 char max |
| secured\_account\_token
string
Optional | Unique identifier of the secured account. This field is required when policy product subtype is `SECURED`.
**Allowable Values:**
36 char max |
| name
string
Optional | Name of the credit account.
**Allowable Values:**
255 char max |
| description
string
Optional | Description for the credit account.
**Allowable Values:**
255 char max |
| bundle\_token
string
Optional | Unique identifier of the associated bundle.
You must pass either `bundle_token` or both `credit_product_token` and `external_offer_id`.
**Allowable Values:**
Existing bundle token |
| credit\_product\_token
string
Optional | Unique identifier of the associated credit product.
This field is required if passing `external_offer_id`.
You must pass both `credit_product_token` and `external_offer_id`, or `bundle_token` only.
**Allowable Values:**
Existing credit product token |
| user\_token
string
Required | Unique identifier of the primary account holder or an administrative user of a business account.
You must pass `user_token` only.
**Allowable Values:**
Existing user token |
| business\_token
string
Optional | Unique identifier of the parent business program.
You must pass either `user_token` only, or both `user_token` and `business_token`.
**Allowable Values:**
Existing business token |
| application\_token
string
Optional | Unique identifier of the associated credit account application.
**Allowable Values:**
36 char max |
| external\_offer\_id
string
Optional | Unique identifier you provide of the associated external credit offer.
This field is required if passing `credit_product_token`.
You must pass both `external_offer_id` and `credit_product_token`, or `bundle_token` only.
**Allowable Values:**
Your credit offer ID |
| credit\_limit
decimal
Required | Maximum balance the credit account can carry.
**Allowable Values:**
0–1000000 |
| config
object
Optional | Contains information relevant for configuring an account’s billing cycle day, payment due day, fees, and more.
**Allowable Values:**
Existing `config` object |
| config.**billing\_cycle\_day**
integer
Optional | Day of month the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.
**Allowable Values:**
1–28 |
| config.**payment\_due\_day**
integer
Optional | Day of month the payment for the previous billing cycle is due.
This field is being deprecated and replaced by `payment_due_interval` of a product policy. To retrieve `payment_due_interval`, see Retrieve credit product policy, payments.payment\_due\_interval.
**Allowable Values:**
31 |
| config.**payment\_due\_interval**
integer
Optional | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| config.**e\_disclosure\_active**
boolean
Optional | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| config.**card\_level**
string
Optional | Level of the credit card.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL`, `NA` |
| config.**fees**
array of objects
Optional | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| config.fees\[].**type**
string
Required | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| config.fees\[].**schedule**
array of objects
Required | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| config.fees\[].schedule\[].**method**
string
Required | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| config.fees\[].schedule\[].**value**
decimal
Required | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| config.fees\[].schedule\[].**effective\_date**
datetime
Optional | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.**rewards**
array of objects
Optional | Contains one or more rewards associated with the credit account.
**Allowable Values:**
One or more `rewards` objects |
| config.rewards\[].**type**
string
Required | Type of reward.
**Allowable Values:**
`AUTO_CASH_BACK`, `CASH_BACK`, `STATEMENT_CREDIT` |
| config.rewards\[].**method**
string
Required | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| config.rewards\[].**value**
decimal
Optional | Value of the reward, either a flat reward amount or percentage value.
**Allowable Values:**
0–100 |
| config.**payment\_holds**
object
Optional | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| config.payment\_holds.**ach\_hold\_days**
integer
Optional | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| config.payment\_holds.**check\_hold\_days**
integer
Optional | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| usages
array of objects
Required | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account.
You can pass only one `usages` object per `usages.type`.
**Allowable Values:**
One or more `usages` objects |
| usages\[].**type**
string
Required | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| usages\[].**aprs**
array of objects
Required | Contains one or more annual percentage rates (APRs) associated with the type of balance on the credit account.
**Allowable Values:**
One or more `aprs` objects |
| usages\[].aprs\[].**type**
string
Required | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| usages\[].aprs\[].**schedule**
array of objects
Required | Contains one or more `schedule` objects, which contain information on the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| usages\[].aprs\[].schedule\[].**type**
string
Optional | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| usages\[].aprs\[].schedule\[].**value**
decimal
Required | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| usages\[].aprs\[].schedule\[].**margin**
decimal
Optional | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| usages\[].**fees**
array of objects
Optional | Contains one or more fees associated with the usage type.
**Allowable Values:**
One or more `fees` objects |
| usages\[].fees\[].**type**
string
Required | Type of fee.
**NOTE:** Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported. Do not pass other fees types.
**Allowable Values:**
`FOREIGN_TRANSACTION_FEE`, `OVER_LIMIT_FEE`, `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `CARD_REPLACEMENT_FEE`, `MINIMUM_INTEREST_FEE`, `MINIMUM_INTEREST_FEE_REVERSAL`, `ANNUAL_FEE`, `MONTHLY_FEE`, `ACCOUNT_FEE` |
| usages\[].fees\[].**method**
string
Required | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| usages\[].fees\[].**value**
decimal
Optional | Value of the fee, either a flat fee amount or percentage value.
**Allowable Values:**
0–9999.99
Format: 0.00 |
Sample request body
```json JSON expandable lines wrap theme={null}
{
"token": "my_account_token_12",
"name": "Jack Smith's account",
"description": "Consumer credit account for Jack Smith",
"credit_product_token": "my_credit_product1234",
"user_token": "user1234",
"external_offer_id": "my_ext_offer_12",
"credit_limit": 1500,
"config": {
"billing_cycle_day": 1,
"fees": [
{
"type": "LATE_PAYMENT_FEE",
"schedule": [
{
"method": "FLAT",
"value": 6
}
]
},
{
"type": "RETURNED_PAYMENT_FEE",
"schedule": [
{
"method": "FLAT",
"value": 10
}
]
},
{
"type": "FOREIGN_TRANSACTION_FEE",
"schedule": [
{
"method": "PERCENTAGE",
"value": 12.5
}
]
}
]
},
"usages": [
{
"type": "PURCHASE",
"aprs": [
{
"type": "GO_TO",
"schedule": [
{
"value": 12
}
]
}
]
}
]
}
```
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Returned | Unique identifier of the credit account.
**Allowable Values:**
36 char max |
| secured\_account\_token
string
Conditionally returned | Unique identifier of the secured account.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the credit account.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description for the credit account.
**Allowable Values:**
255 char max |
| currency\_code
string
Returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| status
string
Returned | Status of the credit account.
**Allowable Values:**
`UNACTIVATED`, `ACTIVE`, `SUSPENDED`, `TERMINATED`, `CHARGE_OFF` |
| substatuses
array of strings
Conditionally returned | Substatuses of the credit account.
**Allowable Values:**
Valid array of one or more credit account substatuses: `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `OPT_OUT` |
| user\_substatuses
array of strings
Conditionally returned | Substatuses of the users under the credit account.
**Allowable Values:**
Valid array of one or more user substatuses: `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY` |
| business\_substatuses
array of strings
Conditionally returned | Substatuses of the business under the credit account.
**Allowable Values:**
Valid array of one or more business substatuses: `BANKRUPTCY``POWER_OF_ATTORNEY` |
| activation\_time
datetime
Conditionally returned | Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Returned | Date and time when the credit account was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Returned | Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| type
string
Returned | Type of credit account.
**Allowable Values:**
`CONSUMER`, `BUSINESS` |
| bundle\_token
string
Conditionally returned | Unique identifier of the associated bundle product.
**Allowable Values:**
Existing bundle token |
| credit\_product\_token
string
Conditionally returned | Unique identifier of the associated credit product.
**Allowable Values:**
Existing credit product token. Optional if a `bundle_token` is provided. |
| user\_token
string
Conditionally returned | Unique identifier of the primary account holder or an administrative user of a business account.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing user token |
| business\_token
string
Conditionally returned | Unique identifier of the parent business program.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing business token |
| external\_offer\_id
string
Conditionally returned | Unique identifier you provide of the associated external credit offer.
**Allowable Values:**
Your external offer identifier |
| credit\_limit
decimal
Conditionally returned | Maximum balance the credit account can carry. Optional for light responses.
**Allowable Values:**
0–1000000 |
| current\_balance
decimal
Conditionally returned | Current purchase balance on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| available\_credit
decimal
Conditionally returned | Amount of credit available for use on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_statement\_balance
decimal
Conditionally returned | Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_min\_payment\_due
decimal
Conditionally returned | Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| latest\_statement\_cycle\_type
string
Conditionally returned | Type of cycle.
- `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance from the previous month.
- `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.
- `END_REVOLVING` - Account is no longer revolving and the previous month’s balance is paid off.
- `TRANSACTING` - Account is not revolving and the balance is paid off each month.
**Allowable Values:**
`BEGINNING_REVOLVING`, `REVOLVING`, `END_REVOLVING`, `TRANSACTING`
**NOTE:** When creating or updating an account, only `TRANSACTING` is allowed. |
| config
object
Returned | Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.
**Allowable Values:**
Existing `config` object |
| config.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.
**Allowable Values:**
1–28 |
| config.**payment\_due\_day**
integer
Conditionally returned | Day of the month when the payment for the previous billing cycle is due.
**Allowable Values:**
31 |
| config.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| config.**e\_disclosure\_active**
boolean
Returned | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false` |
| config.**card\_level**
string
Returned | Level of the credit card.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL`, `NA` |
| config.**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| config.fees\[].**type**
string
Conditionally returned | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| config.fees\[].**active**
boolean
Conditionally returned | Whether the fee is active.
**Allowable Values:**
`true`, `false` |
| config.fees\[].**created\_date**
datetime
Conditionally returned | Date and time when the fee was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**updated\_date**
datetime
Conditionally returned | Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**schedule**
array of objects
Conditionally returned | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| config.fees\[].schedule\[].**method**
string
Returned | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| config.fees\[].schedule\[].**value**
decimal
Returned | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| config.fees\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.**rewards**
array of objects
Conditionally returned | Contains one or more rewards associated with the credit account.
**Allowable Values:**
One or more `rewards` objects |
| config.rewards\[].**type**
string
Returned | Type of reward.
**Allowable Values:**
`AUTO_CASH_BACK`, `CASH_BACK`, `STATEMENT_CREDIT` |
| config.rewards\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| config.rewards\[].**value**
decimal
Conditionally returned | Value of the reward, either a flat reward amount or percentage value.
**Allowable Values:**
0–100 |
| config.**payment\_holds**
object
Returned | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| config.payment\_holds.**ach\_hold\_days**
integer
Conditionally returned | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| config.payment\_holds.**check\_hold\_days**
integer
Conditionally returned | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| config.**min\_payment**
object
Conditionally returned | Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
**Allowable Values:**
Existing `min_payment` object |
| config.min\_payment.**override\_start\_time**
datetime
Conditionally returned | Date and time when the minimum payment override starts, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**override\_end\_time**
datetime
Conditionally returned | Date and time when the minimum payment override ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Flat amount of the minimum payment override.
**Allowable Values:**
0 min |
| config.min\_payment.**min\_payment\_percentage**
decimal
Conditionally returned | Percentage of the total statement balance used to calculate the minimum payment override amount.
**Allowable Values:**
0 min |
| config.min\_payment.**active**
boolean
Conditionally returned | Whether the minimum payment override is currently active.
**Allowable Values:**
`true`, `false` |
| usages
array of objects
Conditionally returned | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.
**Allowable Values:**
Valid array of one or more `usages` objects |
| usages\[].**type**
string
Returned | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| usages\[].**aprs**
array of objects
Returned | Contains one or more APRs associated with the type of balance on the credit account.
**Allowable Values:**
One or more `aprs` objects |
| usages\[].aprs\[].**type**
string
Returned | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| usages\[].aprs\[].**active**
boolean
Conditionally returned | Whether the APR is active.
**Allowable Values:**
`true`, `false` |
| usages\[].aprs\[].**created\_date**
datetime
Conditionally returned | Date and time when the APR was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**updated\_date**
datetime
Conditionally returned | Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**schedule**
array of objects
Returned | Contains one or more `schedule` objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| usages\[].aprs\[].schedule\[].**type**
string
Conditionally returned | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| usages\[].aprs\[].schedule\[].**value**
decimal
Returned | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| usages\[].aprs\[].schedule\[].**margin**
decimal
Conditionally returned | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| usages\[].aprs\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].schedule\[].**apply\_next\_cycle**
boolean
Conditionally returned | Whether the APR is ignored for the current billing cycle and applied on the next.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| usages\[].**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the usage type.
**Allowable Values:**
One or more `fees` objects |
| usages\[].fees\[].**type**
string
Returned | Type of fee.
**NOTE:** Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported. Do not pass other fees types.
**Allowable Values:**
`FOREIGN_TRANSACTION_FEE`, `OVER_LIMIT_FEE`, `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `CARD_REPLACEMENT_FEE`, `MINIMUM_INTEREST_FEE`, `MINIMUM_INTEREST_FEE_REVERSAL`, `ANNUAL_FEE`, `MONTHLY_FEE`, `ACCOUNT_FEE` |
| usages\[].fees\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| usages\[].fees\[].**value**
decimal
Conditionally returned | Value of the fee, either a flat fee amount or percentage value.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| max\_apr\_schedules
array of objects
Conditionally returned | Contains `max_apr_schedule` objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to `account/user` substatus changes.
**Allowable Values:**
Valid array of one or more `override_schedule` objects |
| max\_apr\_schedules\[].**value**
decimal
Returned | The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.
**Allowable Values:**
0–100 |
| max\_apr\_schedules\[].**start\_date**
datetime
Returned | Date and time when the override APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**end\_date**
datetime
Conditionally returned | Date and time when the override APR ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**reason**
string
Returned | Reason for the override APR.
**Allowable Values:**
`SCRA`, `MLA`, `HARDSHIP` |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "my_account_token_12",
"name": "Jack Smith's account",
"description": "Consumer credit account for Jack Smith",
"currency_code": "USD",
"status": "UNACTIVATED",
"substatuses": [],
"user_substatuses": [],
"activation_time": "2025-08-26T22:55:52.302Z",
"created_time": "2025-09-03T19:06:27.915Z",
"updated_time": "2025-09-03T19:06:27.915Z",
"type": "CONSUMER",
"credit_product_token": "my_credit_product1234",
"user_token": "user1234",
"external_offer_id": "my_ext_offer_12",
"credit_limit": 1500,
"current_balance": 0,
"available_credit": 1500,
"remaining_statement_balance": 0,
"remaining_min_payment_due": 0,
"latest_statement_cycle_type": "TRANSACTING",
"config": {
"billing_cycle_day": 1,
"card_level": "TRADITIONAL",
"e_disclosure_active": true,
"fees": [
{
"type": "LATE_PAYMENT_FEE",
"active": true,
"created_date": "2025-09-03T19:06:27.946Z",
"updated_date": "2025-09-03T19:06:27.946Z",
"schedule": [
{
"method": "FLAT",
"value": 6,
"effective_date": "2025-09-03T19:06:27.946Z"
}
]
},
{
"type": "RETURNED_PAYMENT_FEE",
"active": true,
"created_date": "2025-09-03T19:06:27.946Z",
"updated_date": "2025-09-03T19:06:27.946Z",
"schedule": [
{
"method": "FLAT",
"value": 10,
"effective_date": "2025-09-03T19:06:27.946Z"
}
]
},
{
"type": "FOREIGN_TRANSACTION_FEE",
"active": true,
"created_date": "2025-09-03T19:06:27.946Z",
"updated_date": "2025-09-03T19:06:27.946Z",
"schedule": [
{
"method": "PERCENTAGE",
"value": 12.5
}
]
}
],
"rewards": [],
"payment_holds": {
"ach_hold_days": 0,
"check_hold_days": 0
}
},
"usages": [
{
"type": "PURCHASE",
"aprs": [
{
"type": "GO_TO",
"active": true,
"created_date": "2025-09-03T19:06:27.927Z",
"updated_date": "2025-09-03T19:06:27.927Z",
"schedule": [
{
"value": 12,
"effective_date": "2025-09-03T19:06:27.927Z"
}
]
}
],
"fees": []
}
],
"max_apr_schedules": []
}
```
List accounts
**Action:** `GET`\
**Endpoint:** `/credit/accounts`
Retrieve an array of credit accounts.
This endpoint supports [sorting and pagination](/core-api/sorting-and-pagination/).
URL query parameters
| Fields | Description |
| ------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| card\_token
string
Optional | Unique identifier of the credit card associated with the account.
**Allowable Values:**
Existing card token |
| count
integer
Optional | Number of credit account resources to retrieve.
**Allowable Values:**
1–100 |
| start\_index
integer
Optional | Sort order index of the first resource in the returned array.
**Allowable Values:**
0 min |
| sort\_by
string
Optional | Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order.
**NOTE:** You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`.
**Allowable Values:**
`lastModifiedTime`, `-lastModifiedTime` |
| light\_response
boolean
Optional | If `true`, returns a lightweight response without any balances and usages.
**Allowable Values:**
`true`, `false` |
| secured\_account\_token
string
Optional | Unique identifier of an existing secured account. This field is required when policy product subtype is `SECURED`.
**Allowable Values:**
Existing secured account token |
| user\_token
string
Optional | Unique identifier of the user by which to filter accounts.
**Allowable Values:**
Existing user token |
Response body
| Fields | Description |
| ----------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| count
integer
Returned | Number of resources returned.
**Allowable Values:**
1-10 |
| start\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| end\_index
integer
Returned | Sort order index of the first resource in the returned array.
**Allowable Values:**
Any integer |
| is\_more
boolean
Returned | A value of `true` indicates that more unreturned resources exist.
**Allowable Values:**
`true`, `false` |
| data
array of objects
Returned | Contains one or more credit accounts.
**Allowable Values:**
One or more credit accounts |
| data\[].**token**
string
Returned | Unique identifier of the credit account.
**Allowable Values:**
36 char max |
| data\[].**secured\_account\_token**
string
Conditionally returned | Unique identifier of the secured account.
**Allowable Values:**
36 char max |
| data\[].**name**
string
Conditionally returned | Name of the credit account.
**Allowable Values:**
255 char max |
| data\[].**description**
string
Conditionally returned | Description for the credit account.
**Allowable Values:**
255 char max |
| data\[].**currency\_code**
string
Returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| data\[].**status**
string
Returned | Status of the credit account.
**Allowable Values:**
`UNACTIVATED`, `ACTIVE`, `SUSPENDED`, `TERMINATED`, `CHARGE_OFF` |
| data\[].**substatuses**
array of strings
Conditionally returned | Substatuses of the credit account.
**Allowable Values:**
Valid array of one or more credit account substatuses: `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `OPT_OUT` |
| data\[].**user\_substatuses**
array of strings
Conditionally returned | Substatuses of the users under the credit account.
**Allowable Values:**
Valid array of one or more user substatuses: `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY` |
| data\[].**business\_substatuses**
array of strings
Conditionally returned | Substatuses of the business under the credit account.
**Allowable Values:**
Valid array of one or more business substatuses: `BANKRUPTCY``POWER_OF_ATTORNEY` |
| data\[].**activation\_time**
datetime
Conditionally returned | Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**created\_time**
datetime
Returned | Date and time when the credit account was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**updated\_time**
datetime
Returned | Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].**type**
string
Returned | Type of credit account.
**Allowable Values:**
`CONSUMER`, `BUSINESS` |
| data\[].**bundle\_token**
string
Conditionally returned | Unique identifier of the associated bundle product.
**Allowable Values:**
Existing bundle token |
| data\[].**credit\_product\_token**
string
Conditionally returned | Unique identifier of the associated credit product.
**Allowable Values:**
Existing credit product token. Optional if a `bundle_token` is provided. |
| data\[].**user\_token**
string
Conditionally returned | Unique identifier of the primary account holder or an administrative user of a business account.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing user token |
| data\[].**business\_token**
string
Conditionally returned | Unique identifier of the parent business program.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing business token |
| data\[].**external\_offer\_id**
string
Conditionally returned | Unique identifier you provide of the associated external credit offer.
**Allowable Values:**
Your external offer identifier |
| data\[].**credit\_limit**
decimal
Conditionally returned | Maximum balance the credit account can carry. Optional for light responses.
**Allowable Values:**
0–1000000 |
| data\[].**current\_balance**
decimal
Conditionally returned | Current purchase balance on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| data\[].**available\_credit**
decimal
Conditionally returned | Amount of credit available for use on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| data\[].**remaining\_statement\_balance**
decimal
Conditionally returned | Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| data\[].**remaining\_min\_payment\_due**
decimal
Conditionally returned | Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| data\[].**latest\_statement\_cycle\_type**
string
Conditionally returned | Type of cycle.
- `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance from the previous month.
- `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.
- `END_REVOLVING` - Account is no longer revolving and the previous month’s balance is paid off.
- `TRANSACTING` - Account is not revolving and the balance is paid off each month.
**Allowable Values:**
`BEGINNING_REVOLVING`, `REVOLVING`, `END_REVOLVING`, `TRANSACTING`
**NOTE:** When creating or updating an account, only `TRANSACTING` is allowed. |
| data\[].**config**
object
Returned | Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.
**Allowable Values:**
Existing `config` object |
| data\[].config.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.
**Allowable Values:**
1–28 |
| data\[].config.**payment\_due\_day**
integer
Conditionally returned | Day of the month when the payment for the previous billing cycle is due.
**Allowable Values:**
31 |
| data\[].config.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| data\[].config.**e\_disclosure\_active**
boolean
Returned | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false` |
| data\[].config.**card\_level**
string
Returned | Level of the credit card.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL`, `NA` |
| data\[].config.**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| data\[].config.fees\[].**type**
string
Conditionally returned | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| data\[].config.fees\[].**active**
boolean
Conditionally returned | Whether the fee is active.
**Allowable Values:**
`true`, `false` |
| data\[].config.fees\[].**created\_date**
datetime
Conditionally returned | Date and time when the fee was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].config.fees\[].**updated\_date**
datetime
Conditionally returned | Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].config.fees\[].**schedule**
array of objects
Conditionally returned | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| data\[].config.fees\[].schedule\[].**method**
string
Returned | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| data\[].config.fees\[].schedule\[].**value**
decimal
Returned | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| data\[].config.fees\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].config.**rewards**
array of objects
Conditionally returned | Contains one or more rewards associated with the credit account.
**Allowable Values:**
One or more `rewards` objects |
| data\[].config.rewards\[].**type**
string
Returned | Type of reward.
**Allowable Values:**
`AUTO_CASH_BACK`, `CASH_BACK`, `STATEMENT_CREDIT` |
| data\[].config.rewards\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| data\[].config.rewards\[].**value**
decimal
Conditionally returned | Value of the reward, either a flat reward amount or percentage value.
**Allowable Values:**
0–100 |
| data\[].config.**payment\_holds**
object
Returned | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| data\[].config.payment\_holds.**ach\_hold\_days**
integer
Conditionally returned | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| data\[].config.payment\_holds.**check\_hold\_days**
integer
Conditionally returned | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| data\[].config.**min\_payment**
object
Conditionally returned | Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
**Allowable Values:**
Existing `min_payment` object |
| data\[].config.min\_payment.**override\_start\_time**
datetime
Conditionally returned | Date and time when the minimum payment override starts, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].config.min\_payment.**override\_end\_time**
datetime
Conditionally returned | Date and time when the minimum payment override ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].config.min\_payment.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Flat amount of the minimum payment override.
**Allowable Values:**
0 min |
| data\[].config.min\_payment.**min\_payment\_percentage**
decimal
Conditionally returned | Percentage of the total statement balance used to calculate the minimum payment override amount.
**Allowable Values:**
0 min |
| data\[].config.min\_payment.**active**
boolean
Conditionally returned | Whether the minimum payment override is currently active.
**Allowable Values:**
`true`, `false` |
| data\[].**usages**
array of objects
Conditionally returned | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.
**Allowable Values:**
Valid array of one or more `usages` objects |
| data\[].usages\[].**type**
string
Returned | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| data\[].usages\[].**aprs**
array of objects
Returned | Contains one or more APRs associated with the type of balance on the credit account.
**Allowable Values:**
One or more `aprs` objects |
| data\[].usages\[].aprs\[].**type**
string
Returned | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| data\[].usages\[].aprs\[].**active**
boolean
Conditionally returned | Whether the APR is active.
**Allowable Values:**
`true`, `false` |
| data\[].usages\[].aprs\[].**created\_date**
datetime
Conditionally returned | Date and time when the APR was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].usages\[].aprs\[].**updated\_date**
datetime
Conditionally returned | Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].usages\[].aprs\[].**schedule**
array of objects
Returned | Contains one or more `schedule` objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| data\[].usages\[].aprs\[].schedule\[].**type**
string
Conditionally returned | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| data\[].usages\[].aprs\[].schedule\[].**value**
decimal
Returned | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| data\[].usages\[].aprs\[].schedule\[].**margin**
decimal
Conditionally returned | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| data\[].usages\[].aprs\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].usages\[].aprs\[].schedule\[].**apply\_next\_cycle**
boolean
Conditionally returned | Whether the APR is ignored for the current billing cycle and applied on the next.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| data\[].usages\[].**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the usage type.
**Allowable Values:**
One or more `fees` objects |
| data\[].usages\[].fees\[].**type**
string
Returned | Type of fee.
**NOTE:** Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported. Do not pass other fees types.
**Allowable Values:**
`FOREIGN_TRANSACTION_FEE`, `OVER_LIMIT_FEE`, `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `CARD_REPLACEMENT_FEE`, `MINIMUM_INTEREST_FEE`, `MINIMUM_INTEREST_FEE_REVERSAL`, `ANNUAL_FEE`, `MONTHLY_FEE`, `ACCOUNT_FEE` |
| data\[].usages\[].fees\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| data\[].usages\[].fees\[].**value**
decimal
Conditionally returned | Value of the fee, either a flat fee amount or percentage value.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| data\[].**max\_apr\_schedules**
array of objects
Conditionally returned | Contains `max_apr_schedule` objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to `account/user` substatus changes.
**Allowable Values:**
Valid array of one or more `override_schedule` objects |
| data\[].max\_apr\_schedules\[].**value**
decimal
Returned | The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.
**Allowable Values:**
0–100 |
| data\[].max\_apr\_schedules\[].**start\_date**
datetime
Returned | Date and time when the override APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].max\_apr\_schedules\[].**end\_date**
datetime
Conditionally returned | Date and time when the override APR ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| data\[].max\_apr\_schedules\[].**reason**
string
Returned | Reason for the override APR.
**Allowable Values:**
`SCRA`, `MLA`, `HARDSHIP` |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"count": 1,
"start_index": 0,
"end_index": 4,
"is_more": true,
"data": [
{
"token": "credit_account_token1234",
"name": "John Jacob",
"description": "Consumer credit account for John Jacob",
"currency_code": "USD",
"status": "ACTIVE",
"substatuses": [],
"user_substatuses": [],
"activation_time": "2025-08-26T22:55:52.302Z",
"created_time": "2025-08-26T22:55:52.100Z",
"updated_time": "2025-08-26T22:55:52.304Z",
"type": "CONSUMER",
"credit_product_token": "credit_product_token1234",
"user_token": "user_token1234",
"business_token": "business_token123",
"external_offer_id": "external-offer-11",
"credit_limit": 6000,
"current_balance": 0,
"available_credit": 3232,
"remaining_statement_balance": 2768,
"remaining_min_payment_due": 25,
"latest_statement_cycle_type": "TRANSACTING",
"config": {
"billing_cycle_day": 1,
"payment_due_day": 31,
"card_level": "TRADITIONAL",
"e_disclosure_active": true,
"fees": [
{
"type": "LATE_PAYMENT_FEE",
"active": true,
"created_date": "2025-08-26T22:55:52.124Z",
"updated_date": "2025-08-26T22:55:52.124Z",
"schedule": [
{
"method": "FLAT",
"value": 25,
"effective_date": "2025-08-26T22:55:52.124Z"
}
]
},
{
"type": "RETURNED_PAYMENT_FEE",
"active": true,
"created_date": "2025-09-03T19:06:27.946Z",
"updated_date": "2025-09-03T19:06:27.946Z",
"schedule": [
{
"method": "FLAT",
"value": 10,
"effective_date": "2025-09-03T19:06:27.946Z"
}
]
},
{
"type": "FOREIGN_TRANSACTION_FEE",
"active": true,
"created_date": "2025-09-03T19:06:27.946Z",
"updated_date": "2025-09-03T19:06:27.946Z",
"schedule": [
{
"method": "PERCENTAGE",
"value": 12.5
}
]
}
],
"rewards": [],
"payment_holds": {
"ach_hold_days": 0,
"check_hold_days": 0
}
},
"usages": [
{
"type": "PURCHASE",
"aprs": [
{
"type": "GO_TO",
"active": true,
"created_date": "2025-08-26T22:55:52.106Z",
"updated_date": "2025-08-26T22:55:52.106Z",
"schedule": [
{
"value": 14.99,
"effective_date": "2025-08-26T22:55:52.106Z"
}
]
}
],
"fees": []
}
],
"max_apr_schedules": []
}
]
}
```
Retrieve account
**Action:** `GET`\
**Endpoint:** `/credit/accounts/{account_token}`
Retrieve a credit account.
URL path parameters
| Fields | Description |
| ---------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| account\_token
string
Required | Unique identifier of the credit account to retrieve.
Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.
**Allowable Values:**
Existing account token |
URL query parameters
| Fields | Description |
| --------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| effective\_fee\_schedule\_only
boolean
Optional | Display the effective fee schedule only.
**Allowable Values:**
`true`, `false` |
| light\_response
boolean
Optional | If true, returns a lightweight response without any balances and usages.
**Allowable Values:**
`true`, `false` |
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Returned | Unique identifier of the credit account.
**Allowable Values:**
36 char max |
| secured\_account\_token
string
Conditionally returned | Unique identifier of the secured account.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the credit account.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description for the credit account.
**Allowable Values:**
255 char max |
| currency\_code
string
Returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| status
string
Returned | Status of the credit account.
**Allowable Values:**
`UNACTIVATED`, `ACTIVE`, `SUSPENDED`, `TERMINATED`, `CHARGE_OFF` |
| substatuses
array of strings
Conditionally returned | Substatuses of the credit account.
**Allowable Values:**
Valid array of one or more credit account substatuses: `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `OPT_OUT` |
| user\_substatuses
array of strings
Conditionally returned | Substatuses of the users under the credit account.
**Allowable Values:**
Valid array of one or more user substatuses: `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY` |
| business\_substatuses
array of strings
Conditionally returned | Substatuses of the business under the credit account.
**Allowable Values:**
Valid array of one or more business substatuses: `BANKRUPTCY``POWER_OF_ATTORNEY` |
| activation\_time
datetime
Conditionally returned | Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Returned | Date and time when the credit account was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Returned | Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| type
string
Returned | Type of credit account.
**Allowable Values:**
`CONSUMER`, `BUSINESS` |
| bundle\_token
string
Conditionally returned | Unique identifier of the associated bundle product.
**Allowable Values:**
Existing bundle token |
| credit\_product\_token
string
Conditionally returned | Unique identifier of the associated credit product.
**Allowable Values:**
Existing credit product token. Optional if a `bundle_token` is provided. |
| user\_token
string
Conditionally returned | Unique identifier of the primary account holder or an administrative user of a business account.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing user token |
| business\_token
string
Conditionally returned | Unique identifier of the parent business program.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing business token |
| external\_offer\_id
string
Conditionally returned | Unique identifier you provide of the associated external credit offer.
**Allowable Values:**
Your external offer identifier |
| credit\_limit
decimal
Conditionally returned | Maximum balance the credit account can carry. Optional for light responses.
**Allowable Values:**
0–1000000 |
| current\_balance
decimal
Conditionally returned | Current purchase balance on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| available\_credit
decimal
Conditionally returned | Amount of credit available for use on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_statement\_balance
decimal
Conditionally returned | Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_min\_payment\_due
decimal
Conditionally returned | Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| latest\_statement\_cycle\_type
string
Conditionally returned | Type of cycle.
- `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance from the previous month.
- `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.
- `END_REVOLVING` - Account is no longer revolving and the previous month’s balance is paid off.
- `TRANSACTING` - Account is not revolving and the balance is paid off each month.
**Allowable Values:**
`BEGINNING_REVOLVING`, `REVOLVING`, `END_REVOLVING`, `TRANSACTING`
**NOTE:** When creating or updating an account, only `TRANSACTING` is allowed. |
| config
object
Returned | Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.
**Allowable Values:**
Existing `config` object |
| config.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.
**Allowable Values:**
1–28 |
| config.**payment\_due\_day**
integer
Conditionally returned | Day of the month when the payment for the previous billing cycle is due.
**Allowable Values:**
31 |
| config.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| config.**e\_disclosure\_active**
boolean
Returned | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false` |
| config.**card\_level**
string
Returned | Level of the credit card.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL`, `NA` |
| config.**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| config.fees\[].**type**
string
Conditionally returned | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| config.fees\[].**active**
boolean
Conditionally returned | Whether the fee is active.
**Allowable Values:**
`true`, `false` |
| config.fees\[].**created\_date**
datetime
Conditionally returned | Date and time when the fee was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**updated\_date**
datetime
Conditionally returned | Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**schedule**
array of objects
Conditionally returned | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| config.fees\[].schedule\[].**method**
string
Returned | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| config.fees\[].schedule\[].**value**
decimal
Returned | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| config.fees\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.**rewards**
array of objects
Conditionally returned | Contains one or more rewards associated with the credit account.
**Allowable Values:**
One or more `rewards` objects |
| config.rewards\[].**type**
string
Returned | Type of reward.
**Allowable Values:**
`AUTO_CASH_BACK`, `CASH_BACK`, `STATEMENT_CREDIT` |
| config.rewards\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| config.rewards\[].**value**
decimal
Conditionally returned | Value of the reward, either a flat reward amount or percentage value.
**Allowable Values:**
0–100 |
| config.**payment\_holds**
object
Returned | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| config.payment\_holds.**ach\_hold\_days**
integer
Conditionally returned | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| config.payment\_holds.**check\_hold\_days**
integer
Conditionally returned | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| config.**min\_payment**
object
Conditionally returned | Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
**Allowable Values:**
Existing `min_payment` object |
| config.min\_payment.**override\_start\_time**
datetime
Conditionally returned | Date and time when the minimum payment override starts, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**override\_end\_time**
datetime
Conditionally returned | Date and time when the minimum payment override ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Flat amount of the minimum payment override.
**Allowable Values:**
0 min |
| config.min\_payment.**min\_payment\_percentage**
decimal
Conditionally returned | Percentage of the total statement balance used to calculate the minimum payment override amount.
**Allowable Values:**
0 min |
| config.min\_payment.**active**
boolean
Conditionally returned | Whether the minimum payment override is currently active.
**Allowable Values:**
`true`, `false` |
| usages
array of objects
Conditionally returned | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.
**Allowable Values:**
Valid array of one or more `usages` objects |
| usages\[].**type**
string
Returned | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| usages\[].**aprs**
array of objects
Returned | Contains one or more APRs associated with the type of balance on the credit account.
**Allowable Values:**
One or more `aprs` objects |
| usages\[].aprs\[].**type**
string
Returned | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| usages\[].aprs\[].**active**
boolean
Conditionally returned | Whether the APR is active.
**Allowable Values:**
`true`, `false` |
| usages\[].aprs\[].**created\_date**
datetime
Conditionally returned | Date and time when the APR was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**updated\_date**
datetime
Conditionally returned | Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**schedule**
array of objects
Returned | Contains one or more `schedule` objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| usages\[].aprs\[].schedule\[].**type**
string
Conditionally returned | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| usages\[].aprs\[].schedule\[].**value**
decimal
Returned | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| usages\[].aprs\[].schedule\[].**margin**
decimal
Conditionally returned | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| usages\[].aprs\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].schedule\[].**apply\_next\_cycle**
boolean
Conditionally returned | Whether the APR is ignored for the current billing cycle and applied on the next.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| usages\[].**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the usage type.
**Allowable Values:**
One or more `fees` objects |
| usages\[].fees\[].**type**
string
Returned | Type of fee.
**NOTE:** Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported. Do not pass other fees types.
**Allowable Values:**
`FOREIGN_TRANSACTION_FEE`, `OVER_LIMIT_FEE`, `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `CARD_REPLACEMENT_FEE`, `MINIMUM_INTEREST_FEE`, `MINIMUM_INTEREST_FEE_REVERSAL`, `ANNUAL_FEE`, `MONTHLY_FEE`, `ACCOUNT_FEE` |
| usages\[].fees\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| usages\[].fees\[].**value**
decimal
Conditionally returned | Value of the fee, either a flat fee amount or percentage value.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| max\_apr\_schedules
array of objects
Conditionally returned | Contains `max_apr_schedule` objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to `account/user` substatus changes.
**Allowable Values:**
Valid array of one or more `override_schedule` objects |
| max\_apr\_schedules\[].**value**
decimal
Returned | The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.
**Allowable Values:**
0–100 |
| max\_apr\_schedules\[].**start\_date**
datetime
Returned | Date and time when the override APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**end\_date**
datetime
Conditionally returned | Date and time when the override APR ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**reason**
string
Returned | Reason for the override APR.
**Allowable Values:**
`SCRA`, `MLA`, `HARDSHIP` |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "credit_account_token1234",
"name": "John Jacob",
"description": "Consumer credit account for John Jacob",
"currency_code": "USD",
"status": "ACTIVE",
"activation_time": "2021-08-26T22:55:52.302Z",
"created_time": "2021-08-26T22:55:52.100Z",
"updated_time": "2021-08-26T22:55:52.304Z",
"type": "CONSUMER",
"credit_product_token": "credit_product_token1234",
"user_token": "user_token1234",
"external_offer_id": "external-offer-11",
"credit_limit": 6000,
"current_balance": 0,
"available_credit": 3232,
"remaining_statement_balance": 2768,
"remaining_min_payment_due": 25,
"latest_statement_cycle_type": "TRANSACTING",
"config": {
"billing_cycle_day": 1,
"payment_due_day": 31,
"card_level": "TRADITIONAL",
"e_disclosure_active": true,
"fees": [
{
"type": "LATE_PAYMENT_FEE",
"active": true,
"created_date": "2021-08-26T22:55:52.124Z",
"updated_date": "2021-08-26T22:55:52.124Z",
"schedule": [
{
"method": "FLAT",
"value": 25,
"effective_date": "2021-08-26T22:55:52.124Z"
}
]
},
{
"type": "RETURNED_PAYMENT_FEE",
"active": true,
"created_date": "2021-09-03T19:06:27.946Z",
"updated_date": "2021-09-03T19:06:27.946Z",
"schedule": [
{
"method": "FLAT",
"value": 10,
"effective_date": "2021-09-03T19:06:27.946Z"
}
]
},
{
"type": "FOREIGN_TRANSACTION_FEE",
"active": true,
"created_date": "2021-09-03T19:06:27.946Z",
"updated_date": "2021-09-03T19:06:27.946Z",
"schedule": [
{
"method": "PERCENTAGE",
"value": 12.5
}
]
}
],
"rewards": [],
"payment_holds": {
"ach_hold_days": 0,
"check_hold_days": 0
}
},
"usages": [
{
"type": "PURCHASE",
"aprs": [
{
"type": "GO_TO",
"active": true,
"created_date": "2021-08-26T22:55:52.106Z",
"updated_date": "2021-08-26T22:55:52.106Z",
"schedule": [
{
"value": 14.99,
"effective_date": "2021-08-26T22:55:52.106Z"
}
]
}
],
"fees": []
}
]
}
```
Update account
**Action:** `PUT`\
**Endpoint:** `/credit/accounts/{account_token}`
Update a credit account.
URL path parameters
| Fields | Description |
| ---------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| account\_token
string
Required | Unique identifier of the credit account to update.
Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.
**Allowable Values:**
Existing account token |
Request body
| Fields | Description |
| ------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| config
object
Optional | Contains information relevant for updating configurations for electronic disclosures, fees, payment holds, and minimum payment.
**Allowable Values:**
Existing `config` object |
| config.**e\_disclosure\_active**
boolean
Optional | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| config.**fees**
array of objects
Optional | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| config.fees\[].**type**
string
Required | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| config.fees\[].**schedule**
array of objects
Required | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| config.fees\[].schedule\[].**method**
string
Required | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| config.fees\[].schedule\[].**value**
decimal
Required | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| config.fees\[].schedule\[].**effective\_date**
datetime
Optional | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.**payment\_holds**
object
Optional | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| config.payment\_holds.**ach\_hold\_days**
integer
Optional | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| config.payment\_holds.**check\_hold\_days**
integer
Optional | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| config.**payment\_due\_interval**
integer
Optional | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
For consumer programs, a minimum gap of 21 days is required between when a statement is delivered and the payment due date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| config.**min\_payment**
object
Optional | Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
**Allowable Values:**
Existing `min_payment` object |
| config.min\_payment.**override\_start\_time**
datetime
Optional | Date and time when the minimum payment override starts, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**override\_end\_time**
datetime
Optional | Date and time when the minimum payment override ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**min\_payment\_flat\_amount**
decimal
Optional | Flat amount of the minimum payment override.
**Allowable Values:**
0 min |
| config.min\_payment.**min\_payment\_percentage**
decimal
Optional | Percentage of the total statement balance used to calculate the minimum payment override amount.
**Allowable Values:**
0 min |
| config.min\_payment.**active**
boolean
Optional | Whether the minimum payment override is currently active.
**Allowable Values:**
`true`, `false` |
| usages
array of objects
Optional | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account.
You can pass only one `usages` object per `usages.type`.
**Allowable Values:**
One or more `usages` objects |
| usages\[].**type**
string
Required | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| usages\[].**aprs**
array of objects
Optional | Contains one or more annual percentage rates (APRs) associated with the credit account.
**Allowable Values:**
One or more `aprs` objects |
| usages\[].aprs\[].**type**
string
Required | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| usages\[].aprs\[].**schedule**
array of objects
Required | Contains one or more `schedule` objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| usages\[].aprs\[].schedule\[].**type**
string
Optional | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| usages\[].aprs\[].schedule\[].**margin**
decimal
Optional | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| usages\[].aprs\[].schedule\[].**value**
decimal
Required | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| usages\[].aprs\[].schedule\[].**effective\_date**
datetime
Optional | Date and time when the APR goes into effect, in UTC.
If you do not include a date-time value, the system uses the date and time when the API request was received.
**NOTE:** When passing multiple `schedule` objects, this field is required in all objects but the first. If you do not include `effective_date` in the first `schedule`, the system uses the date and time when the API request was received.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].schedule\[].**apply\_next\_cycle**
boolean
Optional | Whether the APR can be ignored for the current billing cycle and applied on the next.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| credit\_limit
object
Optional | Contains information on the credit limit.
**Allowable Values:**
Existing `credit_limit` object |
| credit\_limit.**value**
decimal
Required | Maximum balance the credit account can carry.
**Allowable Values:**
0–999999999999.99 |
| user\_token
string
Optional | User token tied to the credit account. You can only update the value of the user token for business accounts.
**Allowable Values:**
255 char max |
| latest\_statement\_cycle\_type
string
Optional | Type of cycle.
- `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance from the previous month.
- `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.
- `END_REVOLVING` - Account is no longer revolving and the previous month’s balance is paid off.
- `TRANSACTING` - Account is not revolving and the balance is paid off each month.
**Allowable Values:**
`BEGINNING_REVOLVING`, `REVOLVING`, `END_REVOLVING`, `TRANSACTING`
**NOTE:** When creating or updating an account, only `TRANSACTING` is allowed. |
Sample request body
```json JSON lines wrap theme={null}
{
"config": {
"payment_holds": {
"ach_hold_days": 3,
"check_hold_days": 5
}
},
"credit_limit": {
"value": 6000
},
"latest_statement_cycle_type": "TRANSACTING"
}
```
Response body
| Fields | Description |
| --------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| token
string
Returned | Unique identifier of the credit account.
**Allowable Values:**
36 char max |
| secured\_account\_token
string
Conditionally returned | Unique identifier of the secured account.
**Allowable Values:**
36 char max |
| name
string
Conditionally returned | Name of the credit account.
**Allowable Values:**
255 char max |
| description
string
Conditionally returned | Description for the credit account.
**Allowable Values:**
255 char max |
| currency\_code
string
Returned | Valid three-digit ISO 4217 currency code.
**Allowable Values:**
`USD` |
| status
string
Returned | Status of the credit account.
**Allowable Values:**
`UNACTIVATED`, `ACTIVE`, `SUSPENDED`, `TERMINATED`, `CHARGE_OFF` |
| substatuses
array of strings
Conditionally returned | Substatuses of the credit account.
**Allowable Values:**
Valid array of one or more credit account substatuses: `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `OPT_OUT` |
| user\_substatuses
array of strings
Conditionally returned | Substatuses of the users under the credit account.
**Allowable Values:**
Valid array of one or more user substatuses: `MLA`, `SCRA`, `DECEASED`, `BANKRUPTCY`, `POWER_OF_ATTORNEY` |
| business\_substatuses
array of strings
Conditionally returned | Substatuses of the business under the credit account.
**Allowable Values:**
Valid array of one or more business substatuses: `BANKRUPTCY``POWER_OF_ATTORNEY` |
| activation\_time
datetime
Conditionally returned | Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| created\_time
datetime
Returned | Date and time when the credit account was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| updated\_time
datetime
Returned | Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| type
string
Returned | Type of credit account.
**Allowable Values:**
`CONSUMER`, `BUSINESS` |
| bundle\_token
string
Conditionally returned | Unique identifier of the associated bundle product.
**Allowable Values:**
Existing bundle token |
| credit\_product\_token
string
Conditionally returned | Unique identifier of the associated credit product.
**Allowable Values:**
Existing credit product token. Optional if a `bundle_token` is provided. |
| user\_token
string
Conditionally returned | Unique identifier of the primary account holder or an administrative user of a business account.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing user token |
| business\_token
string
Conditionally returned | Unique identifier of the parent business program.
Either a `user_token` or `business_token` is returned, not both.
**Allowable Values:**
Existing business token |
| external\_offer\_id
string
Conditionally returned | Unique identifier you provide of the associated external credit offer.
**Allowable Values:**
Your external offer identifier |
| credit\_limit
decimal
Conditionally returned | Maximum balance the credit account can carry. Optional for light responses.
**Allowable Values:**
0–1000000 |
| current\_balance
decimal
Conditionally returned | Current purchase balance on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| available\_credit
decimal
Conditionally returned | Amount of credit available for use on the credit account. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_statement\_balance
decimal
Conditionally returned | Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| remaining\_min\_payment\_due
decimal
Conditionally returned | Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.
**Allowable Values:**
Format: 0.00 |
| latest\_statement\_cycle\_type
string
Conditionally returned | Type of cycle.
- `BEGINNING_REVOLVING` - Account is beginning to revolve and just started carrying a balance from the previous month.
- `REVOLVING` - Account is revolving and has been carrying a balance from month to month for more than one month.
- `END_REVOLVING` - Account is no longer revolving and the previous month’s balance is paid off.
- `TRANSACTING` - Account is not revolving and the balance is paid off each month.
**Allowable Values:**
`BEGINNING_REVOLVING`, `REVOLVING`, `END_REVOLVING`, `TRANSACTING`
**NOTE:** When creating or updating an account, only `TRANSACTING` is allowed. |
| config
object
Returned | Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.
**Allowable Values:**
Existing `config` object |
| config.**billing\_cycle\_day**
integer
Returned | Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.
**Allowable Values:**
1–28 |
| config.**payment\_due\_day**
integer
Conditionally returned | Day of the month when the payment for the previous billing cycle is due.
**Allowable Values:**
31 |
| config.**payment\_due\_interval**
integer
Conditionally returned | Specifies the payment due interval that is used to determine the payment due date for a billing cycle. A value of -1 indicates one day prior to the next billing cycle date.
**Allowable Values:**
-1 min
Positive integers greater than 0; -1 is the default value |
| config.**e\_disclosure\_active**
boolean
Returned | A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically.
**Allowable Values:**
`true`, `false` |
| config.**card\_level**
string
Returned | Level of the credit card.
**Allowable Values:**
`PREMIUM`, `TRADITIONAL`, `NA` |
| config.**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the credit account.
**Allowable Values:**
One or more `fees` objects |
| config.fees\[].**type**
string
Conditionally returned | Type of fee.
**Allowable Values:**
`LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `MONTHLY_FEE`, `ANNUAL_FEE`, `FOREIGN_TRANSACTION_FEE` |
| config.fees\[].**active**
boolean
Conditionally returned | Whether the fee is active.
**Allowable Values:**
`true`, `false` |
| config.fees\[].**created\_date**
datetime
Conditionally returned | Date and time when the fee was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**updated\_date**
datetime
Conditionally returned | Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.fees\[].**schedule**
array of objects
Conditionally returned | Contains one or more fee schedules.
**Allowable Values:**
One or more `schedule` objects |
| config.fees\[].schedule\[].**method**
string
Returned | Method used to calculate the fee value.
**Allowable Values:**
`FLAT`, `PERCENTAGE` |
| config.fees\[].schedule\[].**value**
decimal
Returned | Amount of the fee.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| config.fees\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the fee goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.**rewards**
array of objects
Conditionally returned | Contains one or more rewards associated with the credit account.
**Allowable Values:**
One or more `rewards` objects |
| config.rewards\[].**type**
string
Returned | Type of reward.
**Allowable Values:**
`AUTO_CASH_BACK`, `CASH_BACK`, `STATEMENT_CREDIT` |
| config.rewards\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| config.rewards\[].**value**
decimal
Conditionally returned | Value of the reward, either a flat reward amount or percentage value.
**Allowable Values:**
0–100 |
| config.**payment\_holds**
object
Returned | Contains configurations for a payment hold.
**Allowable Values:**
Existing `payment_holds` object |
| config.payment\_holds.**ach\_hold\_days**
integer
Conditionally returned | Number of days to hold an ACH payment.
**Allowable Values:**
0–30 |
| config.payment\_holds.**check\_hold\_days**
integer
Conditionally returned | Number of days to hold a check payment.
**Allowable Values:**
0–30 |
| config.**min\_payment**
object
Conditionally returned | Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.
**Allowable Values:**
Existing `min_payment` object |
| config.min\_payment.**override\_start\_time**
datetime
Conditionally returned | Date and time when the minimum payment override starts, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**override\_end\_time**
datetime
Conditionally returned | Date and time when the minimum payment override ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| config.min\_payment.**min\_payment\_flat\_amount**
decimal
Conditionally returned | Flat amount of the minimum payment override.
**Allowable Values:**
0 min |
| config.min\_payment.**min\_payment\_percentage**
decimal
Conditionally returned | Percentage of the total statement balance used to calculate the minimum payment override amount.
**Allowable Values:**
0 min |
| config.min\_payment.**active**
boolean
Conditionally returned | Whether the minimum payment override is currently active.
**Allowable Values:**
`true`, `false` |
| usages
array of objects
Conditionally returned | Contains one or more `usages` objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.
**Allowable Values:**
Valid array of one or more `usages` objects |
| usages\[].**type**
string
Returned | Type of balance.
- `PURCHASE` - The balance on purchases.
**Allowable Values:**
`PURCHASE` |
| usages\[].**aprs**
array of objects
Returned | Contains one or more APRs associated with the type of balance on the credit account.
**Allowable Values:**
One or more `aprs` objects |
| usages\[].aprs\[].**type**
string
Returned | Type of APR.
- `GO_TO` - Default APR rate that is applicable when any promotional periods expire.
- `PROMOTIONAL` - A temporary rate that is applicable for a specified period of time.
**Allowable Values:**
`GO_TO`, `PROMOTIONAL` |
| usages\[].aprs\[].**active**
boolean
Conditionally returned | Whether the APR is active.
**Allowable Values:**
`true`, `false` |
| usages\[].aprs\[].**created\_date**
datetime
Conditionally returned | Date and time when the APR was created on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**updated\_date**
datetime
Conditionally returned | Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].**schedule**
array of objects
Returned | Contains one or more `schedule` objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.
**Allowable Values:**
One or more `schedule` objects |
| usages\[].aprs\[].schedule\[].**type**
string
Conditionally returned | Indicates whether the APR value is fixed or variable.
**Allowable Values:**
`FIXED`, `VARIABLE` |
| usages\[].aprs\[].schedule\[].**value**
decimal
Returned | Percentage value of the APR.
If the APR type is `FIXED`, this is the value of the fixed rate. If the APR type is `VARIABLE`, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.
When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.
**Allowable Values:**
0–100 |
| usages\[].aprs\[].schedule\[].**margin**
decimal
Conditionally returned | Number of percentage points added to the prime rate, used to calculate a variable value.
Used for variable values only.
**Allowable Values:**
Format: 0.00 |
| usages\[].aprs\[].schedule\[].**effective\_date**
datetime
Conditionally returned | Date and time when the APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| usages\[].aprs\[].schedule\[].**apply\_next\_cycle**
boolean
Conditionally returned | Whether the APR is ignored for the current billing cycle and applied on the next.
**Allowable Values:**
`true`, `false`
**Default value:**
`false` |
| usages\[].**fees**
array of objects
Conditionally returned | Contains one or more fees associated with the usage type.
**Allowable Values:**
One or more `fees` objects |
| usages\[].fees\[].**type**
string
Returned | Type of fee.
**NOTE:** Only `RETURNED_PAYMENT_FEE`, `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, and `MONTHLY_FEE` are currently supported. Do not pass other fees types.
**Allowable Values:**
`FOREIGN_TRANSACTION_FEE`, `OVER_LIMIT_FEE`, `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `CARD_REPLACEMENT_FEE`, `MINIMUM_INTEREST_FEE`, `MINIMUM_INTEREST_FEE_REVERSAL`, `ANNUAL_FEE`, `MONTHLY_FEE`, `ACCOUNT_FEE` |
| usages\[].fees\[].**method**
string
Returned | Method, either a flat amount or a percentage.
**NOTE:** Only `FLAT` is currently supported.
**Allowable Values:**
`PERCENTAGE`, `FLAT` |
| usages\[].fees\[].**value**
decimal
Conditionally returned | Value of the fee, either a flat fee amount or percentage value.
**Allowable Values:**
0–9999.99
Format: 0.00 |
| max\_apr\_schedules
array of objects
Conditionally returned | Contains `max_apr_schedule` objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to `account/user` substatus changes.
**Allowable Values:**
Valid array of one or more `override_schedule` objects |
| max\_apr\_schedules\[].**value**
decimal
Returned | The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.
**Allowable Values:**
0–100 |
| max\_apr\_schedules\[].**start\_date**
datetime
Returned | Date and time when the override APR goes into effect, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**end\_date**
datetime
Conditionally returned | Date and time when the override APR ends, in UTC.
**Allowable Values:**
Format: yyyy-MM-ddThh:mm:ssZ |
| max\_apr\_schedules\[].**reason**
string
Returned | Reason for the override APR.
**Allowable Values:**
`SCRA`, `MLA`, `HARDSHIP` |
Sample response body
```json JSON expandable lines wrap theme={null}
{
"token": "credit_account_token1234",
"name": "John Jacob",
"description": "Consumer credit account for John Jacob",
"currency_code": "USD",
"status": "ACTIVE",
"substatuses": [],
"user_substatuses": [],
"activation_time": "2021-08-26T22:55:52.302Z",
"created_time": "2021-08-26T22:55:52.100Z",
"updated_time": "2021-08-26T22:55:52.304Z",
"type": "CONSUMER",
"credit_product_token": "credit_product_token1234",
"user_token": "user_token1234",
"external_offer_id": "external-offer-11",
"credit_limit": 6000,
"current_balance": 0,
"available_credit": 3232,
"remaining_statement_balance": 2768,
"remaining_min_payment_due": 25,
"latest_statement_cycle_type": "TRANSACTING",
"config": {
"billing_cycle_day": 1,
"payment_due_day": 31,
"card_level": "TRADITIONAL",
"e_disclosure_active": true,
"fees": [
{
"type": "LATE_PAYMENT_FEE",
"active": true,
"created_date": "2021-08-26T22:55:52.124Z",
"updated_date": "2021-08-26T22:55:52.124Z",
"schedule": [
{
"method": "FLAT",
"value": 25
}
]
},
{
"type": "RETURNED_PAYMENT_FEE",
"active": true,
"created_date": "2021-09-03T19:06:27.946Z",
"updated_date": "2021-09-03T19:06:27.946Z",
"schedule": [
{
"method": "FLAT",
"value": 10,
"effective_date": "2021-09-03T19:06:27.946Z"
}
]
},
{
"type": "FOREIGN_TRANSACTION_FEE",
"active": true,
"created_date": "2021-09-03T19:06:27.946Z",
"updated_date": "2021-09-03T19:06:27.946Z",
"schedule": [
{
"method": "PERCENTAGE",
"value": 12.5
}
]
}
],
"rewards": [],
"payment_holds": {
"ach_hold_days": 3,
"check_hold_days": 5
}
},
"usages": [
{
"type": "PURCHASE",
"aprs": [
{
"type": "GO_TO",
"active": true,
"created_date": "2021-08-26T22:55:52.106Z",
"updated_date": "2021-08-26T22:55:52.106Z",
"schedule": [
{
"value": 14.99,
"effective_date": "2021-08-26T22:55:52.106Z"
}
]
}
],
"fees": []
}
],
"max_apr_schedules": []
}
```
## Related topics
- [Credit Accounts](/docs/diva-api/credit-accounts.md)
- [Credit Overview](/docs/developer-guides/credit-landing-page.md)
- [About Credit Accounts](/docs/developer-guides/about-credit-accounts.md)
- [Credit Account Disputes](/docs/core-api/credit-account-disputes.md)
- [Credit Account Adjustments](/docs/diva-api/credit-account-adjustments.md)