GET////
Retrieve a specific credit product policy.
URL path parameters
| Fields | Description |
|---|---|
| token string Required | Unique identifier of the credit product policy to retrieve. Send a GET request to /policies/products to retrieve existing credit product policy tokens.Allowable Values: Existing credit product policy token |
Response body
| Fields | Description |
|---|---|
| token string Conditionally returned | Unique identifier of the credit product policy. Allowable Values: 36 char max |
| 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 |
| card_products[].token string Conditionally returned | Unique identifier of the card product. Allowable Values: 36 char max |
| card_products[].level string Conditionally returned | Level of the card product. Allowable Values: PREMIUM, TRADITIONAL |
| card_products[].network string Conditionally returned | Name of the card network. Allowable Values: VISA, MASTERCARD, SANDBOX |
| name string Conditionally returned | Name of the credit product policy. Allowable Values: 1 char min |
| description string Conditionally returned | Description of the credit product policy. Allowable Values: 255 char max |
| 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 |
| 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 |
| 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 |
| currency_code string Conditionally returned | Valid three-digit ISO 4217 currency code. Allowable Values: USD |
| credit_line object Conditionally returned | Contains information on the credit line range. Allowable Values: Existing credit_line object |
| credit_line.min decimal Returned | Minimum credit limit. Allowable Values: 0–999999999999.99 |
| credit_line.max decimal Returned | Maximum credit limit. Allowable Values: 0–999999999999.99 |
| usage array of strings Conditionally returned | One or more usage types for the credit product policy. Allowable Values: PURCHASEValid usage array |
| interest_calculation object Conditionally returned | Contains the configurations for interest calculation. Allowable Values: Existing interest_calculation object |
| interest_calculation.method string Returned | Method of interest calculation. Allowable Values: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS |
| interest_calculation.day_count string Returned | Day-count convention. Allowable Values: ACTUAL |
| interest_calculation.interest_application array of strings Returned | One or more balance types on which interest is applied. Allowable Values: PRINCIPAL, FEES, INTEREST |
| 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 |
| 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 |
| 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 |
| 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 |
| payments object Conditionally returned | Contains the configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing payments object |
| payments.billing_cycle_day integer Returned | Day of the month when the billing cycle starts. Allowable Values: 1–28 |
| 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 |
| payments.billing_cycle_frequency string Conditionally returned | Frequency at which the account is billed. Allowable Values: MONTHLY |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| payments.min_payment_calculation.include_overlimit_amount boolean Returned | Whether to include the overlimit amount when calculating the minimum payment. Allowable Values: true, false |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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
{
"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": {
"due_day": 31,
"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"
}