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40 minute read
September 1, 2022

Credit Products

Important
This feature is being deprecated and replaced by credit product policies, which is part of the bundles feature. For more on policies and bundles in a credit program, see Managing Credit Programs in the Marqeta Dashboard (Beta).

The credit products feature on Marqeta’s credit platform enables you to create and manage a credit product and customize its characteristics, such as the credit line range and required fees or APRs. Credit product characteristics determine the behaviors and attributes of associated credit accounts. For more on credit products, see About Credit Products.

To receive webhook notifications when product transition events occur, see Credit product transition events in Event Types.

Important

To create and manage credit products, you must use the Marqeta Dashboard. For more, see Managing Credit Products in the Marqeta Dashboard.

 

The following endpoints are displayed for reference purposes only.

Create credit product

Action: POST
Endpoint: /credit/products

Create a credit product.

Request body
Fields Description

token

string
Optional

Unique identifier of the credit product.

Allowable Values:

36 char max

card_product_tokens

array of strings
Required

One or more associated card product tokens.

Allowable Values:

Existing card product tokens

name

string
Required

Name of the credit product.

Allowable Values:

description

string
Optional

Description of the credit product.

Allowable Values:

status

string
Optional

Status of the credit product.

  • DRAFT - The credit product is in the process of being created.

  • PENDING_APPROVAL - The credit product has been created and is awaiting approval.

  • SENT_FOR_REVISION - The credit product has been returned for revision.

  • ACTIVE - The credit product is active.

  • REJECTED - The credit product has been rejected; this status cannot be changed.

  • ARCHIVED - The previously active credit product has been archived.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

classification

string
Required

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
Required

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
Required

Subtype of the credit product type.

CREDIT_CARD - Card that enables the cardholder to make purchases on credit.

Allowable Values:

CREDIT_CARD

currency_code

string
Required

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Required

Contains information about the credit line range.

Allowable Values:

Existing credit_line object

credit_line.min

decimal
Required

Minimum credit limit.

Allowable Values:

0–999999999999.99

credit_line.max

decimal
Required

Maximum credit limit.

Allowable Values:

0–999999999999.99

usage

array of strings
Required

One or more usage types for the credit product.

Allowable Values:

PURCHASE

min_payment_percentage

decimal
Required

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

min_payment_flat_amount

decimal
Required

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

min_payment_calculation

object
Optional

Contains information used to calculate the minimum payment amount.

Allowable Values:

min_payment_calculation.include_past_due_amount

boolean
Required

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

min_payment_calculation.min_payment_percentage

object
Required

Contains information used to calculate the minimum payment percentage.

Allowable Values:

min_payment_calculation.min_payment_percentage.percentage_of_balance

decimal
Required

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

min_payment_calculation.min_payment_percentage.include_fees_charged

array of strings
Required

One or more fee types to include when calculating the minimum payment.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

min_payment_calculation.min_payment_flat_amount

decimal
Required

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

payment_allocation_order

array of strings
Required

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

interest_calculation

object
Required

Contains the configurations for interest calculation.

Allowable Values:

Existing interest_calculation object

interest_calculation.method

string
Required

Method of interest calculation.

Allowable Values:

AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS

interest_calculation.day_count

string
Required

Day-count convention.

Allowable Values:

ACTUAL

interest_calculation.interest_application

array of strings
Required

One or more balance types on which interest is applied.

Allowable Values:

PRINCIPAL, FEES, INTEREST

interest_calculation.minimum_interest

decimal
Required

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
Required

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
Required

Determines the last day of grace period based on which interest charges are calculated.

Allowable Values:

NEXT_CYCLE_DATE

interest_calculation.application_of_credits

object
Required

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Required

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and the balance is paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

When creating an account, only TRANSACTING is allowed.

interest_calculation.application_of_credits.day

integer
Required

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

interest_calculation.exclude_tran_types

array of strings
Optional

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

config

object
Required

Contains information on configurations for billing cycle day, payment due day, and fees.

Allowable Values:

config.billing_cycle_day

integer
Required

Day of month the billing cycle starts.

Allowable Values:

1

config.payment_due_day

integer
Required

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

config.fees

array of strings
Optional

One or more fee types.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

config.periodic_fees

array of objects
Optional

Contains one or more periodic fees.

Allowable Values:

One or more periodic_fees objects

config.periodic_fees[].frequency

string
Required

How frequently the fee is charged.

Allowable Values:

ANNUAL, MONTHLY

config.periodic_fees[].number_of_days_post_activation

integer
Required

The number of days after an account is activated that the initial fee is charged. For example, if the value in this field is 30, then the initial fee is charged 30 days after an account is activated.

Allowable Values:

1–1000

Sample request body
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Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the credit product.

Allowable Values:

36 char max

parent_product_token

string
Conditionally returned

Unique identifier of the parent credit product.

Allowable Values:

Existing credit product token

card_product_tokens

array of strings
Conditionally returned

One or more associated card product tokens.

Allowable Values:

Existing card product tokens

name

string
Conditionally returned

Name of the credit product.

Allowable Values:

description

string
Conditionally returned

Description of the credit product.

Allowable Values:

status

string
Conditionally returned

Status of the credit product.

  • DRAFT - The credit product is in the process of being created.

  • PENDING_APPROVAL - The credit product has been created and is awaiting approval.

  • SENT_FOR_REVISION - The credit product has been returned for revision.

  • ACTIVE - The credit product is active.

  • REJECTED - The credit product has been rejected; this status cannot be changed.

  • ARCHIVED - The previously active credit product has been archived.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

created_time

datetime
Conditionally returned

Date and time when the credit product was created on Marqeta’s credit platform.

Allowable Values:

updated_time

datetime
Conditionally returned

Date and time when the credit product was last updated on Marqeta’s credit platform.

Allowable Values:

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.

Allowable Values:

CREDIT_CARD

currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Conditionally returned

Contains information about 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.

Allowable Values:

PURCHASE

min_payment_percentage

decimal
Conditionally returned

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

min_payment_calculation

object
Conditionally returned

Contains information used to calculate the minimum payment amount.

Allowable Values:

min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

min_payment_calculation.min_payment_percentage

object
Returned

Contains information used to calculate the minimum payment percentage.

Allowable Values:

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

min_payment_calculation.min_payment_percentage.include_fees_charged

array of strings
Returned

One or more fee types to include when calculating the minimum payment.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

min_payment_calculation.min_payment_flat_amount

decimal
Returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

payment_allocation_order

array of strings
Conditionally returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

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.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and the balance is paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

When creating an account, only TRANSACTING is allowed.

interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

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

config

object
Conditionally returned

Contains information on configurations for billing cycle day, payment due day, and fees.

Allowable Values:

config.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

config.payment_due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

config.fees

array of strings
Conditionally returned

One or more fee types.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

config.periodic_fees

array of objects
Conditionally returned

Contains one or more periodic fees.

Allowable Values:

One or more periodic_fees objects

config.periodic_fees[].frequency

string
Returned

How frequently the fee is charged.

Allowable Values:

ANNUAL, MONTHLY

config.periodic_fees[].number_of_days_post_activation

integer
Returned

The number of days after an account is activated that the initial fee is charged. For example, if the value in this field is 30, then the initial fee is charged 30 days after an account is activated.

Allowable Values:

1–1000

Sample response body
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List credit products

Action: GET
Endpoint: /credit/products

Retrieve an array of credit products.

This endpoint supports sorting and pagination.

URL query parameters
Fields Description

status

array of strings
Optional

An array of statuses by which to filter credit products.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

count

integer
Optional

The number of resources to retrieve.

Allowable Values:

1–100

start_index

integer
Optional

The 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

The number of resources returned.

Allowable Values:

start_index

integer
Returned

The sort order index of the first resource in the returned array.

Allowable Values:

Any integer

end_index

integer
Returned

The 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

Contains one or more credit product objects.

Allowable Values:

One or more credit product objects

data[].token

string
Conditionally returned

Unique identifier of the credit product.

Allowable Values:

36 char max

data[].parent_product_token

string
Conditionally returned

Unique identifier of the parent credit product.

Allowable Values:

Existing credit product token

data[].card_product_tokens

array of strings
Conditionally returned

One or more associated card product tokens.

Allowable Values:

Existing card product tokens

data[].name

string
Conditionally returned

Name of the credit product.

Allowable Values:

data[].description

string
Conditionally returned

Description of the credit product.

Allowable Values:

data[].status

string
Conditionally returned

Status of the credit product.

  • DRAFT - The credit product is in the process of being created.

  • PENDING_APPROVAL - The credit product has been created and is awaiting approval.

  • SENT_FOR_REVISION - The credit product has been returned for revision.

  • ACTIVE - The credit product is active.

  • REJECTED - The credit product has been rejected; this status cannot be changed.

  • ARCHIVED - The previously active credit product has been archived.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

data[].created_time

datetime
Conditionally returned

Date and time when the credit product was created on Marqeta’s credit platform.

Allowable Values:

data[].updated_time

datetime
Conditionally returned

Date and time when the credit product was last updated on Marqeta’s credit platform.

Allowable Values:

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.

Allowable Values:

CREDIT_CARD

data[].currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

data[].credit_line

object
Conditionally returned

Contains information about 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.

Allowable Values:

PURCHASE

data[].min_payment_percentage

decimal
Conditionally returned

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

data[].min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

data[].min_payment_calculation

object
Conditionally returned

Contains information used to calculate the minimum payment amount.

Allowable Values:

data[].min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

data[].min_payment_calculation.min_payment_percentage

object
Returned

Contains information used to calculate the minimum payment percentage.

Allowable Values:

data[].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[].min_payment_calculation.min_payment_percentage.include_fees_charged

array of strings
Returned

One or more fee types to include when calculating the minimum payment.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

data[].min_payment_calculation.min_payment_flat_amount

decimal
Returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

data[].payment_allocation_order

array of strings
Conditionally returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

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.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

data[].interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and the balance is paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

When creating an account, only TRANSACTING is allowed.

data[].interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

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

data[].config

object
Conditionally returned

Contains information on configurations for billing cycle day, payment due day, and fees.

Allowable Values:

data[].config.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

data[].config.payment_due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

data[].config.fees

array of strings
Conditionally returned

One or more fee types.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

data[].config.periodic_fees

array of objects
Conditionally returned

Contains one or more periodic fees.

Allowable Values:

One or more periodic_fees objects

data[].config.periodic_fees[].frequency

string
Returned

How frequently the fee is charged.

Allowable Values:

ANNUAL, MONTHLY

data[].config.periodic_fees[].number_of_days_post_activation

integer
Returned

The number of days after an account is activated that the initial fee is charged. For example, if the value in this field is 30, then the initial fee is charged 30 days after an account is activated.

Allowable Values:

1–1000

Sample response body
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Retrieve credit product

Action: GET
Endpoint: /credit/products/{token}

Retrieve a credit product.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the credit product to retrieve.

Send a GET request to /credit/products to retrieve existing credit product tokens.

Allowable Values:

Response body
Fields Description

token

string
Conditionally returned

Unique identifier of the credit product.

Allowable Values:

36 char max

parent_product_token

string
Conditionally returned

Unique identifier of the parent credit product.

Allowable Values:

Existing credit product token

card_product_tokens

array of strings
Conditionally returned

One or more associated card product tokens.

Allowable Values:

Existing card product tokens

name

string
Conditionally returned

Name of the credit product.

Allowable Values:

description

string
Conditionally returned

Description of the credit product.

Allowable Values:

status

string
Conditionally returned

Status of the credit product.

  • DRAFT - The credit product is in the process of being created.

  • PENDING_APPROVAL - The credit product has been created and is awaiting approval.

  • SENT_FOR_REVISION - The credit product has been returned for revision.

  • ACTIVE - The credit product is active.

  • REJECTED - The credit product has been rejected; this status cannot be changed.

  • ARCHIVED - The previously active credit product has been archived.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

created_time

datetime
Conditionally returned

Date and time when the credit product was created on Marqeta’s credit platform.

Allowable Values:

updated_time

datetime
Conditionally returned

Date and time when the credit product was last updated on Marqeta’s credit platform.

Allowable Values:

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.

Allowable Values:

CREDIT_CARD

currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

credit_line

object
Conditionally returned

Contains information about 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.

Allowable Values:

PURCHASE

min_payment_percentage

decimal
Conditionally returned

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

min_payment_calculation

object
Conditionally returned

Contains information used to calculate the minimum payment amount.

Allowable Values:

min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

min_payment_calculation.min_payment_percentage

object
Returned

Contains information used to calculate the minimum payment percentage.

Allowable Values:

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

min_payment_calculation.min_payment_percentage.include_fees_charged

array of strings
Returned

One or more fee types to include when calculating the minimum payment.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

min_payment_calculation.min_payment_flat_amount

decimal
Returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

payment_allocation_order

array of strings
Conditionally returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

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.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and the balance is paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

When creating an account, only TRANSACTING is allowed.

interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

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

config

object
Conditionally returned

Contains information on configurations for billing cycle day, payment due day, and fees.

Allowable Values:

config.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

config.payment_due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

config.fees

array of strings
Conditionally returned

One or more fee types.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

config.periodic_fees

array of objects
Conditionally returned

Contains one or more periodic fees.

Allowable Values:

One or more periodic_fees objects

config.periodic_fees[].frequency

string
Returned

How frequently the fee is charged.

Allowable Values:

ANNUAL, MONTHLY

config.periodic_fees[].number_of_days_post_activation

integer
Returned

The number of days after an account is activated that the initial fee is charged. For example, if the value in this field is 30, then the initial fee is charged 30 days after an account is activated.

Allowable Values:

1–1000

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Retrieve credit product lineage

Action: GET
Endpoint: /credit/products/{token}/lineage

Retrieve the lineage of a credit product, which is an array of related credit products whose lineage can be traced back to the same original credit product.

This endpoint supports sorting and pagination.

URL path parameters
Fields Description

token

string
Required

The unique identifier of the credit product whose lineage you want to retrieve.

Send a GET request to /credit/products to retrieve existing credit product tokens.

Allowable Values:

Existing credit product token

URL query parameters
Fields Description

status

array of strings
Optional

An array of statuses by which to filter credit products.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

count

integer
Optional

The number of resources to retrieve.

Allowable Values:

1–100

start_index

integer
Optional

The 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

The number of resources returned.

Allowable Values:

start_index

integer
Returned

The sort order index of the first resource in the returned array.

Allowable Values:

Any integer

end_index

integer
Returned

The 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

Contains one or more credit product objects.

Allowable Values:

One or more credit product objects

data[].token

string
Conditionally returned

Unique identifier of the credit product.

Allowable Values:

36 char max

data[].parent_product_token

string
Conditionally returned

Unique identifier of the parent credit product.

Allowable Values:

Existing credit product token

data[].card_product_tokens

array of strings
Conditionally returned

One or more associated card product tokens.

Allowable Values:

Existing card product tokens

data[].name

string
Conditionally returned

Name of the credit product.

Allowable Values:

data[].description

string
Conditionally returned

Description of the credit product.

Allowable Values:

data[].status

string
Conditionally returned

Status of the credit product.

  • DRAFT - The credit product is in the process of being created.

  • PENDING_APPROVAL - The credit product has been created and is awaiting approval.

  • SENT_FOR_REVISION - The credit product has been returned for revision.

  • ACTIVE - The credit product is active.

  • REJECTED - The credit product has been rejected; this status cannot be changed.

  • ARCHIVED - The previously active credit product has been archived.

Allowable Values:

DRAFT, PENDING_APPROVAL, SENT_FOR_REVISION, ACTIVE, REJECTED, ARCHIVED

data[].created_time

datetime
Conditionally returned

Date and time when the credit product was created on Marqeta’s credit platform.

Allowable Values:

data[].updated_time

datetime
Conditionally returned

Date and time when the credit product was last updated on Marqeta’s credit platform.

Allowable Values:

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.

Allowable Values:

CREDIT_CARD

data[].currency_code

string
Conditionally returned

A valid three-digit ISO 4217 currency code

Allowable Values:

USD

data[].credit_line

object
Conditionally returned

Contains information about 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.

Allowable Values:

PURCHASE

data[].min_payment_percentage

decimal
Conditionally returned

Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day.

Allowable Values:

0.0001–100

data[].min_payment_flat_amount

decimal
Conditionally returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

data[].min_payment_calculation

object
Conditionally returned

Contains information used to calculate the minimum payment amount.

Allowable Values:

data[].min_payment_calculation.include_past_due_amount

boolean
Returned

Whether to include the past due amount when calculating the minimum payment.

Allowable Values:

data[].min_payment_calculation.min_payment_percentage

object
Returned

Contains information used to calculate the minimum payment percentage.

Allowable Values:

data[].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[].min_payment_calculation.min_payment_percentage.include_fees_charged

array of strings
Returned

One or more fee types to include when calculating the minimum payment.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

data[].min_payment_calculation.min_payment_flat_amount

decimal
Returned

Minimum payment, expressed as a flat amount, due on the payment due day.

Allowable Values:

0.01 min

data[].payment_allocation_order

array of strings
Conditionally returned

Ordered list of balance types to which payments are allocated, from first to last.

Allowable Values:

INTEREST, FEES, PRINCIPAL

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.application_of_credits

object
Returned

Contains information on the cycle type and billing cycle day when credits are applied in the daily balance calculation.

Allowable Values:

Existing application_of_credits object

data[].interest_calculation.application_of_credits.cycle_type

string
Returned

Type of cycle.

  • BEGINNING_REVOLVING - Account is beginning to revolve and just started carrying a balance from the previous month.

  • REVOLVING - Account is revolving and has been carrying a balance from month to month for more than one month.

  • END_REVOLVING - Account is no longer revolving and the previous month’s balance is paid off.

  • TRANSACTING - Account is not revolving and the balance is paid off each month.

Allowable Values:

BEGINNING_REVOLVING, REVOLVING, END_REVOLVING, TRANSACTING

When creating an account, only TRANSACTING is allowed.

data[].interest_calculation.application_of_credits.day

integer
Returned

Day of the billing cycle when credits are applied.

Allowable Values:

1–31

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

data[].config

object
Conditionally returned

Contains information on configurations for billing cycle day, payment due day, and fees.

Allowable Values:

data[].config.billing_cycle_day

integer
Returned

Day of month the billing cycle starts.

Allowable Values:

1

data[].config.payment_due_day

integer
Returned

Day of month the payment for the previous billing cycle is due.

Allowable Values:

31

data[].config.fees

array of strings
Conditionally returned

One or more fee types.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE

data[].config.periodic_fees

array of objects
Conditionally returned

Contains one or more periodic fees.

Allowable Values:

One or more periodic_fees objects

data[].config.periodic_fees[].frequency

string
Returned

How frequently the fee is charged.

Allowable Values:

ANNUAL, MONTHLY

data[].config.periodic_fees[].number_of_days_post_activation

integer
Returned

The number of days after an account is activated that the initial fee is charged. For example, if the value in this field is 30, then the initial fee is charged 30 days after an account is activated.

Allowable Values:

1–1000

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