List credit product policies - Marqeta Docs

GET///

Retrieve an array of existing credit product policies. This endpoint supports sorting and pagination.

URL query parameters

Fields	Description
count integer Optional	Number of product policy 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`

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 last 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	One or more credit product policies. Allowable Values: One or more credit product policy objects
data[].token string Conditionally returned	Unique identifier of the credit product policy. Allowable Values: 36 char max
data[].card_products array of objects Conditionally returned	One or more card products associated with the credit product policy. Allowable Values: One or more `card_products` objects
data[].card_products[].token string Conditionally returned	Unique identifier of the card product. Allowable Values: 36 char max
data[].card_products[].level string Conditionally returned	Level of the card product. Allowable Values: `PREMIUM`, `TRADITIONAL`
data[].card_products[].network string Conditionally returned	Name of the card network. Allowable Values: `VISA`, `MASTERCARD`, `SANDBOX`
data[].name string Conditionally returned	Name of the credit product policy. Allowable Values: 1 char min
data[].description string Conditionally returned	Description of the credit product policy. Allowable Values: 255 char max
data[].classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
data[].product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
data[].product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
data[].currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
data[].credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
data[].credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
data[].credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
data[].usage array of strings Conditionally returned	One or more usage types for the credit product policy. Allowable Values: `PURCHASE` Valid `usage` array
data[].interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
data[].interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
data[].interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
data[].interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
data[].interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
data[].interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
data[].interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
data[].interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].payments object Conditionally returned	Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `payments` object
data[].payments.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
data[].payments.due_day integer Conditionally returned	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
data[].payments.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
data[].payments.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. 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
data[].payments.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
data[].payments.allocation_order array of strings Returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
data[].payments.min_payment_calculation object Returned	Contains information used to calculate the minimum payment amount on a credit product policy. Allowable Values: Existing `min_payment_calculation` object
data[].payments.min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.include_overlimit_amount boolean Returned	Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: Format: 0.00
data[].payments.min_payment_calculation.min_payment_percentage object Conditionally returned	Contains information used to calculate the minimum payment amount when expressed as a percentage. Allowable Values: Existing `min_payment_percentage` object
data[].payments.min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].payments.min_payment_calculation.min_payment_percentage.include_interest_charged boolean Returned	Whether to include the amount of interest charged when calculating the minimum payment. Allowable Values: `true`, `false`
data[].payments.min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payment. Allowable Values: `true`, `false`
data[].created_time datetime Conditionally returned	Date and time when the credit product policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the credit product policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 2,
  "is_more": true,
  "data": [
    {
      "token": "my_credit_product_policy_token_1234",
      "card_products": [
        {
          "token": "my_card_product_token1234",
          "level": "TRADITIONAL",
          "network": "VISA"
        }
      ],
      "name": "Gold Credit Product Policy",
      "description": "A gold credit product policy",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 50,
        "max": 3500
      },
      "usage": [
        "PURCHASE"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "ANNUAL_FEE",
          "LATE_PAYMENT_FEE",
          "CASH_BACK_STATEMENT_CREDIT",
          "FOREIGN_TRANSACTION_FEE"
        ]
      },
      "payments": {
        "billing_cycle_day": 1,
        "allocation_order": [
          "INTEREST",
          "FEES",
          "PRINCIPAL"
        ],
        "min_payment_calculation": {
          "include_past_due_amount": false,
          "include_overlimit_amount": true,
          "min_payment_flat_amount": 20,
          "min_payment_percentage": {
            "percentage_of_balance": 1,
            "include_interest_charged": false,
            "include_fees_charged": [
              "LATE_PAYMENT_FEE",
              "FOREIGN_TRANSACTION_FEE"
            ]
          }
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    },
    {
      "token": "my_credit_product_policy_token_4321",
      "card_products": [
        {
          "token": "my_card_product_token4321",
          "level": "TRADITIONAL",
          "network": "VISA"
        }
      ],
      "name": "Silver Credit Product Policy",
      "description": "A silver credit product policy",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 50,
        "max": 3100
      },
      "usage": [
        "PURCHASE"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_PAYMENT_DATE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "ANNUAL_FEE",
          "LATE_PAYMENT_FEE",
          "CASH_BACK_STATEMENT_CREDIT",
          "FOREIGN_TRANSACTION_FEE"
        ]
      },
      "payments": {
        "billing_cycle_day": 1,
        "allocation_order": [
          "INTEREST",
          "FEES",
          "PRINCIPAL"
        ],
        "min_payment_calculation": {
          "include_past_due_amount": false,
          "include_overlimit_amount": true,
          "min_payment_flat_amount": 20,
          "min_payment_percentage": {
            "percentage_of_balance": 1,
            "include_interest_charged": false,
            "include_fees_charged": [
              "LATE_PAYMENT_FEE",
              "FOREIGN_TRANSACTION_FEE"
            ]
          }
        }
      },
      "created_time": "2025-04-01T23:41:58.802Z",
      "updated_time": "2025-04-05T16:04:48.643Z"
    }
  ]
}