> ## 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 credit product policy

> Retrieve a specific credit product policy.

GET/credit/policies/products/\{token}

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](https://www.iso.org/iso-4217-currency-codes.html). **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:**  `PURCHASE`  Valid `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](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/retrieve-product.md). **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 JSON expandable lines wrap theme={null}
{
  "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"
}
```


## Related topics

- [Update credit product policy](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/update-product.md)
- [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)
- [List credit product policies](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/list-product.md)
- [Clone credit product policy](https://www.marqeta.com/docs/core-api/credit-policies/product-policies/clone-product.md)