> ## 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. # List accounts > Retrieve an array of credit accounts. GET/credit/accounts Retrieve an array of credit accounts. This endpoint supports [sorting and pagination](https://www.marqeta.com/docs/core-api/sorting-and-pagination.md). ## 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](https://www.iso.org/iso-4217-currency-codes.html). **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](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. | | 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": [] } ] } ``` ## Related topics - [List account transitions](https://www.marqeta.com/docs/core-api/deposit-accounts-v4/account-transitions-v4/list-account-transitions-v4.md) - [List account refunds](https://www.marqeta.com/docs/core-api/credit-account-refunds/list-account-refunds.md) - [List account cards](https://www.marqeta.com/docs/core-api/credit-account-cards/list-account-cards.md) - [List account disputes](https://www.marqeta.com/docs/core-api/credit-account-disputes/list-account-disputes.md) - [List account adjustments](https://www.marqeta.com/docs/core-api/credit-account-adjustments/list-account-adjustments.md)