> ## 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.

# Create account

> Create a new credit account.

POST/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](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/retrieve-product.md). **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](https://www.iso.org/iso-4217-currency-codes.html). **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](https://www.marqeta.com/docs/core-api/credit-accounts/create-account.md) or [updating](https://www.marqeta.com/docs/core-api/credit-accounts/update-account.md) 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": []
}
```


## Related topics

- [Create account transition](https://www.marqeta.com/docs/core-api/deposit-accounts-v4/account-transitions-v4/create-account-transition.md)
- [Create account reward](https://www.marqeta.com/docs/core-api/credit-account-rewards/create-account-reward.md)
- [Create account dispute](https://www.marqeta.com/docs/core-api/credit-account-disputes/create-account-dispute.md)
- [Create account card](https://www.marqeta.com/docs/core-api/credit-account-cards/create-account-card.md)
- [Create account adjustment](https://www.marqeta.com/docs/core-api/credit-account-adjustments/create-account-adjustment.md)