> ## 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. # Retrieve application > Retrieve a specific application. GET/credit/applications/\{token} Retrieve a specific application. ## URL path parameters | Name | Type | Required? | Description | Allowable Values | | - | - | - | - | - | | token | string | Required | Unique identifier of the application to retrieve. | Existing application token | ## URL query parameters | Name | Type | Required? | Description | Allowable Values | | - | - | - | - | - | | expand | array of strings | Optional | Embeds the specified object into the response. | `DEVICE_DATA`, `INCLUDE_DECISION`, `INCLUDE_ERROR` | ## Response body | Name | Type | Required? | Description | Allowable Values | | - | - | - | - | - | | token | string | Returned | Unique identifier of the application. | 36 char max | | type | string | Returned | Type of application. | `CREDIT_DECISION`, `PREQUALIFICATION` | | state | string | Returned | State of the application. If manually [transitioning an application state](https://www.marqeta.com/docs/core-api/credit-applications/transition-state.md): **`application_state` is the state to which you want to transition the application status; must be `ACCEPTED` or `REJECTED`.**`original_status` returns the state of the application before it was manually transitioned. \* `status` returns the state to which the application was transitioned. | `CREATED`, `DECISIONING`, `MANUAL_REVIEW`, `EXPIRED`, `APPROVED`, `REJECTED`, `ACCEPTED`, `DECLINED`, `ERROR` | | user\_token | string | Returned | Unique identifier of the applicant, the user applying for a credit account. | 36 char max | | bundle\_token | string | Returned | Unique identifier of the bundle associated with the application. | 36 char max | | account\_token | string | Conditionally returned | Unique identifier of the credit account for which the user is applying. Returned when retrieving an application in the `APPROVED` state. | 36 char max | | residence\_type | string | Conditionally returned | Whether the user owns or rents their residence, or has another situation. | `OWN`, `RENT`, `OTHER` | | monthly\_mortgage\_or\_rent | decimal | Conditionally returned | Monthly amount of the mortgage or rent that the user currently pays. | Format: 0.00 | | total\_annual\_income | decimal | Conditionally returned | The total amount of the user's annual income. | Format: 0.00 | | primary\_income\_source | string | Conditionally returned | Whether the primary income source comes from the user being employed, unemployed, self-employment, or another situation. | `EMPLOYED`, `UNEMPLOYED`, `SELF_EMPLOYED`, `OTHER` | | any\_non\_taxable\_income | boolean | Conditionally returned | A value of `true` indicates that the user has a non-taxable income source. | `true`, `false` | | decision\_token | string | Conditionally returned | Unique identifier of the decision made on the application. | 36 char max | | decision\_model | object | Conditionally returned | Contains information on the decision model returned by the issuing bank if a decision has been rendered. Returned when retrieving an application after a decision has been rendered. | Valid `decision_model` object | | decision\_model.**decision\_date** | datetime | Conditionally returned | Date and time when the decision on the application was rendered, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | decision\_model.**credit\_limit** | integer | Conditionally returned | The maximum line of credit extended to the user, also the maximum balance the credit account can carry. | Any integer | | decision\_model.**purchase\_apr** | decimal | Conditionally returned | The purchase APR approved for the user. | Format: 0.00 | | decision\_model.**prime\_rate** | decimal | Conditionally returned | The current prime rate set by the Fed. | Format: 0.00 | | decision\_model.**margin** | decimal | Conditionally returned | Number of percentage points added to the prime rate, used to calculate the purchase APR. | Format: 0.00 | | decision\_model.**card\_product\_level** | string | Conditionally returned | The tier of the card product. | `PREMIUM`, `TRADITIONAL` | | decision\_model.**received\_best\_rate** | boolean | Conditionally returned | A value of `true` indicates that the user received the credit product's best APR. If `false`, you must display to the user the following: `score_factors`, `credit_score`, `credit_score_date`, `credit_bureau`, `score_range`. | `true`, `false` | | decision\_model.**score\_factors** | array of strings | Conditionally returned | Factors that the bureau used to determine the user's credit score. | Example: \`\[ | | decision\_model.**credit\_score** | integer | Conditionally returned | The user's credit score. | A valid credit score | | decision\_model.**credit\_score\_date** | date | Conditionally returned | Date and time when the credit score went into effect. | Format: yyyy-MM-dd | | decision\_model.**score\_range** | string | Conditionally returned | The range in which the user's credit score falls. | 64 char max | | decision\_model.**created\_date** | datetime | Conditionally returned | Date and time when the decision model was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | decision\_model.**denial\_reasons** | array of strings | Conditionally returned | An array of reasons that explain why the application was declined. | Example: \`\[ | | decision\_model.**adverse\_action\_template\_code** | string | Conditionally returned | Indicates the version of the Notice of Adverse Action (NOAA) template used. Can have these possible values: \*\* `AA0` - score denial with score disclosure \*\* `AA1` - individual reason with score disclosure \*\* `AA2` - individual reason without score disclosure \*\* `AA3` - locked and frozen \* `AA4` - fraud related | `AA0`, `AA1`, `AA2`, `AA3`, `AA4` | | decision\_model.**credit\_bureau** | object | Conditionally returned | Contains information on the credit bureau. | Existing `credit_bureau` object. | | decision\_model.credit\_bureau.**name** | string | Returned | Name of the credit bureau used to obtain the user's credit data. | `EXPERIAN`, `EQUIFAX`, `TransUnion Customer Relations` | | decision\_model.credit\_bureau.**address** | object | Returned | Contains information on the address of the credit bureau. | Existing `address` object. | | decision\_model.credit\_bureau.address.**address1** | string | Returned | Street address. | 255 char max | | decision\_model.credit\_bureau.address.**address2** | string | Conditionally returned | Additional address information. | 255 char max | | decision\_model.credit\_bureau.address.**city** | string | Returned | Address city. | 255 char max | | decision\_model.credit\_bureau.address.**state** | string | Returned | Address state. | 255 char max | | decision\_model.credit\_bureau.address.**zip** | string | Returned | Address ZIP code. | 255 char max | | decision\_model.credit\_bureau.**phone\_number** | string | Returned | Phone number of the credit bureau. | Example: 5555555555 | | decision\_model.credit\_bureau.**website** | string | Returned | Website of the credit bureau. | A valid URL | | decision\_model.**expire\_date** | date | Conditionally returned | Date when the decision model expires. | Format: yyyy-MM-dd | | decision\_model.**token** | string | Conditionally returned | Unique identifier of the decision model. See `decision_model.status` for the current state of the application. | 64 char max | | decision\_model.**user\_token** | string | Conditionally returned | Unique identifier of the applicant, the user applying for a credit account. | 64 char max | | decision\_model.**application\_token** | string | Conditionally returned | Unique identifier of the application. | 64 char max | | decision\_model.**submitted\_date\_time** | datetime | Conditionally returned | Date and time when the decision was submitted, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | decision\_model.**decision\_id** | string | Conditionally returned | Unique identifier of the decision made based on the decision model. See `decision_model.status` for the current state of the application. | 64 char max | | decision\_model.**status** | string | Conditionally returned | Status of the decision on the application. | `SUBMITTED`, `DECISIONING`, `MANUAL_REVIEW`, `APPROVED`, `DECLINED`, `EXPIRED`, `REJECTED`, `ERROR` | | soct\_accepted\_at | datetime | Returned | Date and time when Marqeta accepted the Summary of Credit Terms (SOCT), in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | e\_disclosure\_accepted\_at | datetime | Returned | Date and time when Marqeta accepted the e-Disclosure, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | prequalified\_offer\_pre\_terms\_accepted\_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Pre-qualified Offer Pre-terms, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | rewards\_disclosure\_pre\_terms\_accepted\_at | datetime | Returned | Date and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | privacy\_policy\_accepted\_at | datetime | Returned | Date and time when Marqeta accepted the Privacy Policy, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | card\_membership\_agreement\_accepted\_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Card Membership Agreement, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | term\_schedule\_information\_accepted\_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Terms Schedule, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | benefits\_disclosure\_accepted\_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Benefits Disclosure, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | rewards\_disclosure\_post\_terms\_accepted\_at | datetime | Conditionally returned | Date and time when Marqeta accepted the Rewards Disclosure, in UTC. Returned if the user accepted their approved application. | yyyy-MM-ddThh:mm:ssZ | | created\_date | datetime | Returned | Date and time when the application was created on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | updated\_date | datetime | Returned | Date and time when the application was last updated on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | application\_accepted\_at | datetime | Conditionally returned | Date and time when the application was accepted on the Marqeta platform, in UTC. Returned if the user accepted their approved application. | Format: yyyy-MM-ddThh:mm:ssZ | | application\_canceled\_at | datetime | Conditionally returned | Date and time when the application was canceled on the Marqeta platform, in UTC. | Format: yyyy-MM-ddThh:mm:ssZ | | device\_data | object | Conditionally returned | Contains information on user's device fingerprint. Usually obtained through a component embedded in the application. Required if application `type` is `PREQUALIFICATION`. | Existing `device_data` object | | device\_data.**provider** | string | Conditionally returned | The provider of the embedded component. | `IOVATION` | | device\_data.**data** | string | Conditionally returned | The data generated by the embedded component. | Example: `{ ipv4: "1.1.1.1", fingerprint: "abcdef0123456789"}` | | error\_details | object | Conditionally returned | Contains details on an application error. | Existing `error_details` object | | error\_details.**token** | string | Returned | Unique identifier of the error details. | 36 char max | | error\_details.**application\_token** | string | Returned | Unique identifier of the application that resulted in an error. | 36 char max | | error\_details.**type** | string | Returned | Type of error. | `VALIDATION`, `TIMEOUT`, `UPSTREAM`, `DOWNSTREAM`, `UNKNOWN` | | error\_details.**message** | string | Returned | Message describing the error. | 255 char max | | meta\_data | object | Conditionally returned | Customer-defined additional information about the application. | You can define the names and values of up to 20 fields in the format `"my_name_1": "my_value_1"` | | offer\_id | string | Conditionally returned | Unique identifier of the offer for a pre-screened applicant. | 36 char max | ## Sample response body ```json JSON expandable lines wrap theme={null} { "token": "application_token_1111", "type": "CREDIT_DECISION", "state": "APPROVED", "user_token": "user_token_1111", "bundle_token": "bundle_token_1111", "account_token": "account_token_1111", "residence_type": "OWN", "monthly_mortgage_or_rent": 1200, "total_annual_income": 95000, "primary_income_source": "SELF_EMPLOYED", "any_non_taxable_income": false, "decision_token": "decision_token_1111", "decision_model": { "decision_date": "2022-07-07T00:00:00Z", "credit_limit": 15000, "purchase_apr": 23.25, "prime_rate": 3.25, "margin": 20, "card_product_level": "TRADITIONAL", "received_best_rate": false, "score_factors": [ "[TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED", " LACK OF RECENT INSTALLMENT LOAN INFORMATION", " TOO MANY ACCOUNTS WITH BALANCES", " LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED]" ], "credit_score": 821, "credit_score_date": "2022-07-07", "score_range": "300-850", "created_date": "2022-07-07T19:47:47Z", "denial_reasons": [ "[]" ], "credit_bureau": { "name": "TransUnion Customer Relations", "address": { "address1": "2 Baldwin Place", "address2": "P.O. Box 1000", "city": "Chester", "state": "PA", "zip": "19016" }, "phone_number": "1-800-888-4213", "website": "www.transunion.com" }, "token": "b660b53c-0971-4ca2-b2cf-fc8739e860da", "user_token": "user_token_1111", "application_token": "0467ff1b-798a-492a-a743-f490a3ccd892", "submitted_date_time": "2022-07-07T19:47:47Z", "decision_id": "ee7325e7-d13e-40db-8498-a784b76adc7d", "status": "APPROVED" }, "soct_accepted_at": "2022-07-07T19:47:46Z", "e_disclosure_accepted_at": "2022-07-07T19:47:46Z", "rewards_disclosure_pre_terms_accepted_at": "2022-07-07T19:47:46Z", "privacy_policy_accepted_at": "2022-07-07T19:47:46Z", "created_date": "2022-07-07T19:47:46Z", "updated_date": "2022-07-07T19:48:16Z" } ``` ## Related topics - [Applications Overview](https://www.marqeta.com/docs/core-api/credit-applications.md) - [Retrieve client access token](https://www.marqeta.com/docs/core-api/users/user-authentication/get-client-access-token.md) - [About Credit Accounts](https://www.marqeta.com/docs/developer-guides/about-credit-accounts.md) - [Retrieve file on a bundle or application](https://www.marqeta.com/docs/core-api/credit-applications/retrieve-file-on-bundle.md) - [List application transitions](https://www.marqeta.com/docs/core-api/credit-applications/list-application-transitions.md)