> ## 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 credit product policies > Retrieve an array of existing credit product policies. GET/credit/policies/products Retrieve an array of existing credit product policies. This endpoint supports [sorting and pagination](https://www.marqeta.com/docs/core-api/sorting-and-pagination.md). ## 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](https://www.iso.org/iso-4217-currency-codes.html). **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](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/retrieve-product.md). **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 JSON expandable lines wrap theme={null} { "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" } ] } ``` ## Related topics - [Policies Overview](https://www.marqeta.com/docs/core-api/credit-policies.md) - [Credit Product Policies Overview](https://www.marqeta.com/docs/core-api/credit-policies/product-policies.md) - [Create credit product policy](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/create-product.md) - [Update credit product policy](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/update-product.md) - [Clone credit product policy](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/clone-product.md)