> ## 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 files on a bundle or application

> Retrieve an array of files on a bundle or application.

GET/credit/applications/files

Retrieve an array of files on a bundle or application.

Each top-level object returned in the array contains the fields documented in the [response body](https://www.marqeta.com/docs/core-api/credit-applications/list-application-transitions.md#_response_body_4). The name of each object is its corresponding file type:

* `BENEFITS_DISCLOSURE`
* `CARD_MEMBER_AGREEMENT`
* `E_DISCLOSURE`
* `NOAA`
* `PRIVACY_POLICY`
* `REWARDS_DISCLOSURE_PRE_TERMS`
* `REWARDS_DISCLOSURE_POST_TERMS`
* `SOCT`
* `TERMS_SCHEDULE`

## URL query parameters

| Name | Type | Required? | Description | Allowable Values |
| - | - | - | - | - |
| bundle\_token | string | Optional | Unique identifier of the bundle whose files you want to retrieve. The following file types are returned with the `bundle_token`: **`CARD_MEMBER_AGREEMENT`**`E_DISCLOSURE`**`PRIVACY_POLICY`**`REWARDS_DISCLOSURE_PRE_TERMS`**`REWARDS_DISCLOSURE_POST_TERMS`**`SOCT` | Existing bundle token |
| application\_token | string | Optional | Unique identifier of the application whose files you want to retrieve. The following file types are returned with the `application_token`: **`BENEFITS_DISCLOSURE`**`CARD_MEMBER_AGREEMENT`**`E_DISCLOSURE`**`NOAA`**`PRIVACY_POLICY`**`REWARDS_DISCLOSURE_PRE_TERMS`**`REWARDS_DISCLOSURE_POST_TERMS`**`SOCT` \* `TERMS_SCHEDULE` | Existing application token |

## Response body

| Name | Type | Required? | Description | Allowable Values |
| - | - | - | - | - |
| file\_type | string | Returned | Type of file. **`SOCT` - The Summary of Credit Terms (SOCT), which outlines the interest rates, interest charges, and fees associated with the credit account being offered to the user.**`REWARDS_DISCLOSURE_PRE_TERMS` - The Rewards Disclosure Pre-terms, which discloses detailed information about the rewards program on the credit account being offered to the user before a decision is rendered on their application. **`REWARDS_DISCLOSURE_POST_TERMS` - The Rewards Disclosure Post-terms, which discloses detailed information about the rewards program on the user's credit account if their application is approved.**`BENEFITS_DISCLOSURE` - The Benefits Disclosure, which which is given to a user if their application is approved and discloses detailed information about the benefits on the user's credit account. **`CARD_MEMBER_AGREEMENT` - The Card Member Agreement, which specifies the terms and conditions of the user's credit account, including the interest rates, interest charges, fees, minimum payment calculations, and more.**`PRIVACY_POLICY` - The Privacy Policy, which explains how the information on the user's application is collected, handled, and processed. **`E_DISCLOSURE` - The eDisclosure, which states that the user has agreed to receive disclosures electronically.**`TERMS_SCHEDULE` - The Terms Schedule, which is given to a user if their application is approved and specifies the interest rate details on the user's credit account. \* `NOAA` - The Notice of Adverse Action (NOAA), which is given to a user if their application is declined and informs them of the specific reasons why they were denied a credit account. | `SOCT`, `REWARDS_DISCLOSURE_PRE_TERMS`, `REWARDS_DISCLOSURE_POST_TERMS`, `BENEFITS_DISCLOSURE`, `CARD_MEMBER_AGREEMENT`, `PRIVACY_POLICY`, `E_DISCLOSURE`, `TERMS_SCHEDULE`, `NOAA` |
| links | object | Returned | Contains links to the file in different formats. | Existing `links` object |
| links.**json** | string | Conditionally returned | Link to the JSON version of the file. | A valid URL |
| links.**html** | string | Conditionally returned | Link to the HTML version of the file. | A valid URL |
| links.**pdf** | string | Conditionally returned | Link to the PDF version of the file. | A valid URL |
| tracking\_token | string | Conditionally returned | Unique identifier used to acknowledge that the file has been disclosed to the applicant. If the file was already disclosed, a null value is returned. **NOTE**: The tracking token is only valid for 14 calendar days. | 255 char max |

## Sample response body

The following code block shows the files returned on a bundle. The name of each top-level object is its corresponding file type.

```json JSON expandable lines wrap theme={null}
{
  "REWARDS_DISCLOSURE_POST_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_POST_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_eyJraWQiOiJtODVlYS1I6I"
  },
  "PRIVACY_POLICY": {
    "file_type": "PRIVACY_POLICY",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_ImlzcyI6ImxJQ1kiLD0VufJ"
  },
  "CARD_MEMBER_AGREEMENT": {
    "file_type": "CARD_MEMBER_AGREEMENT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_c1YjY2NjBlOGEiLCJzdGF0Z"
  },
  "REWARDS_DISCLOSURE_PRE_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_PRE_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_ZjNmZ0MzIyNDYsImlhdCI6M"
  },
  "SOCT": {
    "file_type": "SOCT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_HAiOjE2Y1NzIyMjYri3fPDg"
  },
  "E_DISCLOSURE": {
    "file_type": "E_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_X3NoybmxnaCIsEtQ0mZpbGZ"
  }
}
```

The following code block shows the files returned on an application if the application is approved. The name of each top-level object is its corresponding file type.

```json JSON expandable lines wrap theme={null}
{
  "REWARDS_DISCLOSURE_POST_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_POST_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_eyJraWQiOiJtODVlYS1I6I"
  },
  "PRIVACY_POLICY": {
    "file_type": "PRIVACY_POLICY",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "TERMS_SCHEDULE": {
    "file_type": "TERMS_SCHEDULE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_e4MjgtnaCIsyIJTkciLCJ0e"
  },
  "CARD_MEMBER_AGREEMENT": {
    "file_type": "CARD_MEMBER_AGREEMENT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_c1YjY2NjBlOGEiLCJzdGF0Z"
  },
  "REWARDS_DISCLOSURE_PRE_TERMS": {
    "file_type": "REWARDS_DISCLOSURE_PRE_TERMS",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "SOCT": {
    "file_type": "SOCT",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  },
  "BENEFITS_DISCLOSURE": {
    "file_type": "BENEFITS_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    },
    "tracking_token": "tracking_token_yIxO2NvZY4YjEiLCJzi1lNTB"
  },
  "E_DISCLOSURE": {
    "file_type": "E_DISCLOSURE",
    "links": {
      "json": "https://url.com/link_to_json_file",
      "html": "https://url.com/link_to_html_file",
      "pdf": "https://url.com/link_to_pdf_file"
    }
  }
}
```


## Related topics

- [Applications Overview](https://www.marqeta.com/docs/core-api/credit-applications.md)
- [Retrieve file on a bundle or application](https://www.marqeta.com/docs/core-api/credit-applications/retrieve-file-on-bundle.md)
- [List bundles](https://www.marqeta.com/docs/core-api/credit-bundles/list-bundles.md)
- [List related bundles](https://www.marqeta.com/docs/core-api/credit-bundles/list-related-bundles.md)
- [Create application](https://www.marqeta.com/docs/core-api/credit-applications/create-application.md)