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Use the credit accounts endpoints to create and manage accounts on Marqeta’s credit platform. A credit account centers around a single line of credit that can be accessed by one or more cards. An account’s attributes, such as the credit limit, APR, and fees, are inherited from the policies on its associated bundle. For more on accounts, see About Credit Accounts.

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Create account

Action: POST
Endpoint: /credit/accounts Create a new credit account.

​
Request body

FieldsDescription
token

string

Optional		Unique identifier of the credit account.

Allowable Values:

36 char max
secured_account_token

string

Optional		Unique identifier of the secured account. This field is required when policy product subtype is SECURED.

Allowable Values:

36 char max
name

string

Optional		Name of the credit account.

Allowable Values:

255 char max
description

string

Optional		Description for the credit account.

Allowable Values:

255 char max
bundle_token

string

Optional		Unique identifier of the associated bundle.

You must pass either bundle_token or both credit_product_token and external_offer_id.

Allowable Values:

Existing bundle token
credit_product_token

string

Optional		Unique identifier of the associated credit product.

This field is required if passing external_offer_id.

You must pass both credit_product_token and external_offer_id, or bundle_token only.

Allowable Values:

Existing credit product token
user_token

string

Required		Unique identifier of the primary account holder or an administrative user of a business account.

You must pass user_token only.

Allowable Values:

Existing user token
business_token

string

Optional		Unique identifier of the parent business program.

You must pass either user_token only, or both user_token and business_token.

Allowable Values:

Existing business token
application_token

string

Optional		Unique identifier of the associated credit account application.

Allowable Values:

36 char max
external_offer_id

string

Optional		Unique identifier you provide of the associated external credit offer.

This field is required if passing credit_product_token.

You must pass both external_offer_id and credit_product_token, or bundle_token only.

Allowable Values:

Your credit offer ID
credit_limit

decimal

Required		Maximum balance the credit account can carry.

Allowable Values:

0–1000000
config

object

Optional		Contains information relevant for configuring an account’s billing cycle day, payment due day, fees, and more.

Allowable Values:

Existing config object
config.billing_cycle_day

integer

Optional		Day of month the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.

Allowable Values:

1–28
config.payment_due_day

integer

Optional		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
config.payment_due_interval

integer

Optional		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
config.e_disclosure_active

boolean

Optional		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false

Default value:
false
config.card_level

string

Optional		Level of the credit card.

Allowable Values:

PREMIUM, TRADITIONAL, NA
config.fees

array of objects

Optional		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
config.fees[].type

string

Required		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
config.fees[].schedule

array of objects

Required		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
config.fees[].schedule[].method

string

Required		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
config.fees[].schedule[].value

decimal

Required		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
config.fees[].schedule[].effective_date

datetime

Optional		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.rewards

array of objects

Optional		Contains one or more rewards associated with the credit account.

Allowable Values:

One or more rewards objects
config.rewards[].type

string

Required		Type of reward.

Allowable Values:

AUTO_CASH_BACK, CASH_BACK, STATEMENT_CREDIT
config.rewards[].method

string

Required		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
config.rewards[].value

decimal

Optional		Value of the reward, either a flat reward amount or percentage value.

Allowable Values:

0–100
config.payment_holds

object

Optional		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
config.payment_holds.ach_hold_days

integer

Optional		Number of days to hold an ACH payment.

Allowable Values:

0–30
config.payment_holds.check_hold_days

integer

Optional		Number of days to hold a check payment.

Allowable Values:

0–30
usages

array of objects

Required		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account.

You can pass only one usages object per usages.type.

Allowable Values:

One or more usages objects
usages[].type

string

Required		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
usages[].aprs

array of objects

Required		Contains one or more annual percentage rates (APRs) associated with the type of balance on the credit account.

Allowable Values:

One or more aprs objects
usages[].aprs[].type

string

Required		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
usages[].aprs[].schedule

array of objects

Required		Contains one or more schedule objects, which contain information on the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
usages[].aprs[].schedule[].type

string

Optional		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
usages[].aprs[].schedule[].value

decimal

Required		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
usages[].aprs[].schedule[].margin

decimal

Optional		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
usages[].fees

array of objects

Optional		Contains one or more fees associated with the usage type.

Allowable Values:

One or more fees objects
usages[].fees[].type

string

Required		Type of fee.

NOTE: Only RETURNED_PAYMENT_FEE, LATE_PAYMENT_FEE, ANNUAL_FEE, and MONTHLY_FEE are currently supported. Do not pass other fees types.

Allowable Values:

FOREIGN_TRANSACTION_FEE, OVER_LIMIT_FEE, LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, CARD_REPLACEMENT_FEE, MINIMUM_INTEREST_FEE, MINIMUM_INTEREST_FEE_REVERSAL, ANNUAL_FEE, MONTHLY_FEE, ACCOUNT_FEE
usages[].fees[].method

string

Required		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
usages[].fees[].value

decimal

Optional		Value of the fee, either a flat fee amount or percentage value.

Allowable Values:

0–9999.99

Format: 0.00

​
Sample request body

JSON
{
  "token": "my_account_token_12",
  "name": "Jack Smith's account",
  "description": "Consumer credit account for Jack Smith",
  "credit_product_token": "my_credit_product1234",
  "user_token": "user1234",
  "external_offer_id": "my_ext_offer_12",
  "credit_limit": 1500,
  "config": {
    "billing_cycle_day": 1,
    "fees": [
      {
        "type": "LATE_PAYMENT_FEE",
        "schedule": [
          {
            "method": "FLAT",
            "value": 6
          }
        ]
      },
      {
        "type": "RETURNED_PAYMENT_FEE",
        "schedule": [
          {
            "method": "FLAT",
            "value": 10
          }
        ]
      },
      {
        "type": "FOREIGN_TRANSACTION_FEE",
        "schedule": [
          {
            "method": "PERCENTAGE",
            "value": 12.5
          }
        ]
      }
    ]
  },
  "usages": [
    {
      "type": "PURCHASE",
      "aprs": [
        {
          "type": "GO_TO",
          "schedule": [
            {
              "value": 12
            }
          ]
        }
      ]
    }
  ]
}

​
Response body

FieldsDescription
token

string

Returned		Unique identifier of the credit account.

Allowable Values:

36 char max
secured_account_token

string

Conditionally returned		Unique identifier of the secured account.

Allowable Values:

36 char max
name

string

Conditionally returned		Name of the credit account.

Allowable Values:

255 char max
description

string

Conditionally returned		Description for the credit account.

Allowable Values:

255 char max
currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
status

string

Returned		Status of the credit account.

Allowable Values:

UNACTIVATED, ACTIVE, SUSPENDED, TERMINATED, CHARGE_OFF
substatuses

array of strings

Conditionally returned		Substatuses of the credit account.

Allowable Values:

Valid array of one or more credit account substatuses: HARDSHIP, FRAUD, CEASE_AND_DESIST, OPT_OUT
user_substatuses

array of strings

Conditionally returned		Substatuses of the users under the credit account.

Allowable Values:

Valid array of one or more user substatuses: MLA, SCRA, DECEASED, BANKRUPTCY, POWER_OF_ATTORNEY
business_substatuses

array of strings

Conditionally returned		Substatuses of the business under the credit account.

Allowable Values:

Valid array of one or more business substatuses: BANKRUPTCY``POWER_OF_ATTORNEY
activation_time

datetime

Conditionally returned		Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
created_time

datetime

Returned		Date and time when the credit account was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
updated_time

datetime

Returned		Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
type

string

Returned		Type of credit account.

Allowable Values:

CONSUMER, BUSINESS
bundle_token

string

Conditionally returned		Unique identifier of the associated bundle product.

Allowable Values:

Existing bundle token
credit_product_token

string

Conditionally returned		Unique identifier of the associated credit product.

Allowable Values:

Existing credit product token. Optional if a bundle_token is provided.
user_token

string

Conditionally returned		Unique identifier of the primary account holder or an administrative user of a business account.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing user token
business_token

string

Conditionally returned		Unique identifier of the parent business program.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing business token
external_offer_id

string

Conditionally returned		Unique identifier you provide of the associated external credit offer.

Allowable Values:

Your external offer identifier
credit_limit

decimal

Conditionally returned		Maximum balance the credit account can carry. Optional for light responses.

Allowable Values:

0–1000000
current_balance

decimal

Conditionally returned		Current purchase balance on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
available_credit

decimal

Conditionally returned		Amount of credit available for use on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_statement_balance

decimal

Conditionally returned		Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_min_payment_due

decimal

Conditionally returned		Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
latest_statement_cycle_type

string

Conditionally 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

NOTE: When creating or updating an account, only TRANSACTING is allowed.
config

object

Returned		Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.

Allowable Values:

Existing config object
config.billing_cycle_day

integer

Returned		Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.

Allowable Values:

1–28
config.payment_due_day

integer

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

Allowable Values:

31
config.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.

Allowable Values:

-1 min

Positive integers greater than 0; -1 is the default value
config.e_disclosure_active

boolean

Returned		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false
config.card_level

string

Returned		Level of the credit card.

Allowable Values:

PREMIUM, TRADITIONAL, NA
config.fees

array of objects

Conditionally returned		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
config.fees[].type

string

Conditionally returned		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
config.fees[].active

boolean

Conditionally returned		Whether the fee is active.

Allowable Values:

true, false
config.fees[].created_date

datetime

Conditionally returned		Date and time when the fee was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].updated_date

datetime

Conditionally returned		Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].schedule

array of objects

Conditionally returned		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
config.fees[].schedule[].method

string

Returned		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
config.fees[].schedule[].value

decimal

Returned		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
config.fees[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.rewards

array of objects

Conditionally returned		Contains one or more rewards associated with the credit account.

Allowable Values:

One or more rewards objects
config.rewards[].type

string

Returned		Type of reward.

Allowable Values:

AUTO_CASH_BACK, CASH_BACK, STATEMENT_CREDIT
config.rewards[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
config.rewards[].value

decimal

Conditionally returned		Value of the reward, either a flat reward amount or percentage value.

Allowable Values:

0–100
config.payment_holds

object

Returned		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
config.payment_holds.ach_hold_days

integer

Conditionally returned		Number of days to hold an ACH payment.

Allowable Values:

0–30
config.payment_holds.check_hold_days

integer

Conditionally returned		Number of days to hold a check payment.

Allowable Values:

0–30
config.min_payment

object

Conditionally returned		Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.

Allowable Values:

Existing min_payment object
config.min_payment.override_start_time

datetime

Conditionally returned		Date and time when the minimum payment override starts, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.override_end_time

datetime

Conditionally returned		Date and time when the minimum payment override ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.min_payment_flat_amount

decimal

Conditionally returned		Flat amount of the minimum payment override.

Allowable Values:

0 min
config.min_payment.min_payment_percentage

decimal

Conditionally returned		Percentage of the total statement balance used to calculate the minimum payment override amount.

Allowable Values:

0 min
config.min_payment.active

boolean

Conditionally returned		Whether the minimum payment override is currently active.

Allowable Values:

true, false
usages

array of objects

Conditionally returned		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.

Allowable Values:

Valid array of one or more usages objects
usages[].type

string

Returned		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
usages[].aprs

array of objects

Returned		Contains one or more APRs associated with the type of balance on the credit account.

Allowable Values:

One or more aprs objects
usages[].aprs[].type

string

Returned		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
usages[].aprs[].active

boolean

Conditionally returned		Whether the APR is active.

Allowable Values:

true, false
usages[].aprs[].created_date

datetime

Conditionally returned		Date and time when the APR was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].updated_date

datetime

Conditionally returned		Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule

array of objects

Returned		Contains one or more schedule objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
usages[].aprs[].schedule[].type

string

Conditionally returned		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
usages[].aprs[].schedule[].value

decimal

Returned		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
usages[].aprs[].schedule[].margin

decimal

Conditionally returned		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
usages[].aprs[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule[].apply_next_cycle

boolean

Conditionally returned		Whether the APR is ignored for the current billing cycle and applied on the next.

Allowable Values:

true, false

Default value:
false
usages[].fees

array of objects

Conditionally returned		Contains one or more fees associated with the usage type.

Allowable Values:

One or more fees objects
usages[].fees[].type

string

Returned		Type of fee.

NOTE: Only RETURNED_PAYMENT_FEE, LATE_PAYMENT_FEE, ANNUAL_FEE, and MONTHLY_FEE are currently supported. Do not pass other fees types.

Allowable Values:

FOREIGN_TRANSACTION_FEE, OVER_LIMIT_FEE, LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, CARD_REPLACEMENT_FEE, MINIMUM_INTEREST_FEE, MINIMUM_INTEREST_FEE_REVERSAL, ANNUAL_FEE, MONTHLY_FEE, ACCOUNT_FEE
usages[].fees[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
usages[].fees[].value

decimal

Conditionally returned		Value of the fee, either a flat fee amount or percentage value.

Allowable Values:

0–9999.99

Format: 0.00
max_apr_schedules

array of objects

Conditionally returned		Contains max_apr_schedule objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to account/user substatus changes.

Allowable Values:

Valid array of one or more override_schedule objects
max_apr_schedules[].value

decimal

Returned		The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.

Allowable Values:

0–100
max_apr_schedules[].start_date

datetime

Returned		Date and time when the override APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].end_date

datetime

Conditionally returned		Date and time when the override APR ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].reason

string

Returned		Reason for the override APR.

Allowable Values:

SCRA, MLA, HARDSHIP

​
Sample response body

JSON
{
  "token": "my_account_token_12",
  "name": "Jack Smith's account",
  "description": "Consumer credit account for Jack Smith",
  "currency_code": "USD",
  "status": "UNACTIVATED",
  "substatuses": [],
  "user_substatuses": [],
  "activation_time": "2025-08-26T22:55:52.302Z",
  "created_time": "2025-09-03T19:06:27.915Z",
  "updated_time": "2025-09-03T19:06:27.915Z",
  "type": "CONSUMER",
  "credit_product_token": "my_credit_product1234",
  "user_token": "user1234",
  "external_offer_id": "my_ext_offer_12",
  "credit_limit": 1500,
  "current_balance": 0,
  "available_credit": 1500,
  "remaining_statement_balance": 0,
  "remaining_min_payment_due": 0,
  "latest_statement_cycle_type": "TRANSACTING",
  "config": {
    "billing_cycle_day": 1,
    "card_level": "TRADITIONAL",
    "e_disclosure_active": true,
    "fees": [
      {
        "type": "LATE_PAYMENT_FEE",
        "active": true,
        "created_date": "2025-09-03T19:06:27.946Z",
        "updated_date": "2025-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 6,
            "effective_date": "2025-09-03T19:06:27.946Z"
          }
        ]
      },
      {
        "type": "RETURNED_PAYMENT_FEE",
        "active": true,
        "created_date": "2025-09-03T19:06:27.946Z",
        "updated_date": "2025-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 10,
            "effective_date": "2025-09-03T19:06:27.946Z"
          }
        ]
      },
      {
        "type": "FOREIGN_TRANSACTION_FEE",
        "active": true,
        "created_date": "2025-09-03T19:06:27.946Z",
        "updated_date": "2025-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "PERCENTAGE",
            "value": 12.5
          }
        ]
      }
    ],
    "rewards": [],
    "payment_holds": {
      "ach_hold_days": 0,
      "check_hold_days": 0
    }
  },
  "usages": [
    {
      "type": "PURCHASE",
      "aprs": [
        {
          "type": "GO_TO",
          "active": true,
          "created_date": "2025-09-03T19:06:27.927Z",
          "updated_date": "2025-09-03T19:06:27.927Z",
          "schedule": [
            {
              "value": 12,
              "effective_date": "2025-09-03T19:06:27.927Z"
            }
          ]
        }
      ],
      "fees": []
    }
  ],
  "max_apr_schedules": []
}

​
List accounts

Action: GET
Endpoint: /credit/accounts Retrieve an array of credit accounts. This endpoint supports sorting and pagination.

​
URL query parameters

FieldsDescription
card_token

string

Optional		Unique identifier of the credit card associated with the account.

Allowable Values:

Existing card token
count

integer

Optional		Number of credit account 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
light_response

boolean

Optional		If true, returns a lightweight response without any balances and usages.

Allowable Values:

true, false
secured_account_token

string

Optional		Unique identifier of an existing secured account. This field is required when policy product subtype is SECURED.

Allowable Values:

Existing secured account token
user_token

string

Optional		Unique identifier of the user by which to filter accounts.

Allowable Values:

Existing user token

​
Response body

FieldsDescription
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 first 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 accounts.

Allowable Values:

One or more credit accounts
data[].token

string

Returned		Unique identifier of the credit account.

Allowable Values:

36 char max
data[].secured_account_token

string

Conditionally returned		Unique identifier of the secured account.

Allowable Values:

36 char max
data[].name

string

Conditionally returned		Name of the credit account.

Allowable Values:

255 char max
data[].description

string

Conditionally returned		Description for the credit account.

Allowable Values:

255 char max
data[].currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
data[].status

string

Returned		Status of the credit account.

Allowable Values:

UNACTIVATED, ACTIVE, SUSPENDED, TERMINATED, CHARGE_OFF
data[].substatuses

array of strings

Conditionally returned		Substatuses of the credit account.

Allowable Values:

Valid array of one or more credit account substatuses: HARDSHIP, FRAUD, CEASE_AND_DESIST, OPT_OUT
data[].user_substatuses

array of strings

Conditionally returned		Substatuses of the users under the credit account.

Allowable Values:

Valid array of one or more user substatuses: MLA, SCRA, DECEASED, BANKRUPTCY, POWER_OF_ATTORNEY
data[].business_substatuses

array of strings

Conditionally returned		Substatuses of the business under the credit account.

Allowable Values:

Valid array of one or more business substatuses: BANKRUPTCY``POWER_OF_ATTORNEY
data[].activation_time

datetime

Conditionally returned		Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].created_time

datetime

Returned		Date and time when the credit account was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time

datetime

Returned		Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].type

string

Returned		Type of credit account.

Allowable Values:

CONSUMER, BUSINESS
data[].bundle_token

string

Conditionally returned		Unique identifier of the associated bundle product.

Allowable Values:

Existing bundle token
data[].credit_product_token

string

Conditionally returned		Unique identifier of the associated credit product.

Allowable Values:

Existing credit product token. Optional if a bundle_token is provided.
data[].user_token

string

Conditionally returned		Unique identifier of the primary account holder or an administrative user of a business account.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing user token
data[].business_token

string

Conditionally returned		Unique identifier of the parent business program.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing business token
data[].external_offer_id

string

Conditionally returned		Unique identifier you provide of the associated external credit offer.

Allowable Values:

Your external offer identifier
data[].credit_limit

decimal

Conditionally returned		Maximum balance the credit account can carry. Optional for light responses.

Allowable Values:

0–1000000
data[].current_balance

decimal

Conditionally returned		Current purchase balance on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
data[].available_credit

decimal

Conditionally returned		Amount of credit available for use on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
data[].remaining_statement_balance

decimal

Conditionally returned		Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
data[].remaining_min_payment_due

decimal

Conditionally returned		Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
data[].latest_statement_cycle_type

string

Conditionally 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

NOTE: When creating or updating an account, only TRANSACTING is allowed.
data[].config

object

Returned		Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.

Allowable Values:

Existing config object
data[].config.billing_cycle_day

integer

Returned		Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.

Allowable Values:

1–28
data[].config.payment_due_day

integer

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

Allowable Values:

31
data[].config.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.

Allowable Values:

-1 min

Positive integers greater than 0; -1 is the default value
data[].config.e_disclosure_active

boolean

Returned		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false
data[].config.card_level

string

Returned		Level of the credit card.

Allowable Values:

PREMIUM, TRADITIONAL, NA
data[].config.fees

array of objects

Conditionally returned		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
data[].config.fees[].type

string

Conditionally returned		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
data[].config.fees[].active

boolean

Conditionally returned		Whether the fee is active.

Allowable Values:

true, false
data[].config.fees[].created_date

datetime

Conditionally returned		Date and time when the fee was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].config.fees[].updated_date

datetime

Conditionally returned		Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].config.fees[].schedule

array of objects

Conditionally returned		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
data[].config.fees[].schedule[].method

string

Returned		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
data[].config.fees[].schedule[].value

decimal

Returned		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
data[].config.fees[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].config.rewards

array of objects

Conditionally returned		Contains one or more rewards associated with the credit account.

Allowable Values:

One or more rewards objects
data[].config.rewards[].type

string

Returned		Type of reward.

Allowable Values:

AUTO_CASH_BACK, CASH_BACK, STATEMENT_CREDIT
data[].config.rewards[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
data[].config.rewards[].value

decimal

Conditionally returned		Value of the reward, either a flat reward amount or percentage value.

Allowable Values:

0–100
data[].config.payment_holds

object

Returned		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
data[].config.payment_holds.ach_hold_days

integer

Conditionally returned		Number of days to hold an ACH payment.

Allowable Values:

0–30
data[].config.payment_holds.check_hold_days

integer

Conditionally returned		Number of days to hold a check payment.

Allowable Values:

0–30
data[].config.min_payment

object

Conditionally returned		Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.

Allowable Values:

Existing min_payment object
data[].config.min_payment.override_start_time

datetime

Conditionally returned		Date and time when the minimum payment override starts, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].config.min_payment.override_end_time

datetime

Conditionally returned		Date and time when the minimum payment override ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].config.min_payment.min_payment_flat_amount

decimal

Conditionally returned		Flat amount of the minimum payment override.

Allowable Values:

0 min
data[].config.min_payment.min_payment_percentage

decimal

Conditionally returned		Percentage of the total statement balance used to calculate the minimum payment override amount.

Allowable Values:

0 min
data[].config.min_payment.active

boolean

Conditionally returned		Whether the minimum payment override is currently active.

Allowable Values:

true, false
data[].usages

array of objects

Conditionally returned		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.

Allowable Values:

Valid array of one or more usages objects
data[].usages[].type

string

Returned		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
data[].usages[].aprs

array of objects

Returned		Contains one or more APRs associated with the type of balance on the credit account.

Allowable Values:

One or more aprs objects
data[].usages[].aprs[].type

string

Returned		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
data[].usages[].aprs[].active

boolean

Conditionally returned		Whether the APR is active.

Allowable Values:

true, false
data[].usages[].aprs[].created_date

datetime

Conditionally returned		Date and time when the APR was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].usages[].aprs[].updated_date

datetime

Conditionally returned		Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].usages[].aprs[].schedule

array of objects

Returned		Contains one or more schedule objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
data[].usages[].aprs[].schedule[].type

string

Conditionally returned		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
data[].usages[].aprs[].schedule[].value

decimal

Returned		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
data[].usages[].aprs[].schedule[].margin

decimal

Conditionally returned		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
data[].usages[].aprs[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].usages[].aprs[].schedule[].apply_next_cycle

boolean

Conditionally returned		Whether the APR is ignored for the current billing cycle and applied on the next.

Allowable Values:

true, false

Default value:
false
data[].usages[].fees

array of objects

Conditionally returned		Contains one or more fees associated with the usage type.

Allowable Values:

One or more fees objects
data[].usages[].fees[].type

string

Returned		Type of fee.

NOTE: Only RETURNED_PAYMENT_FEE, LATE_PAYMENT_FEE, ANNUAL_FEE, and MONTHLY_FEE are currently supported. Do not pass other fees types.

Allowable Values:

FOREIGN_TRANSACTION_FEE, OVER_LIMIT_FEE, LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, CARD_REPLACEMENT_FEE, MINIMUM_INTEREST_FEE, MINIMUM_INTEREST_FEE_REVERSAL, ANNUAL_FEE, MONTHLY_FEE, ACCOUNT_FEE
data[].usages[].fees[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
data[].usages[].fees[].value

decimal

Conditionally returned		Value of the fee, either a flat fee amount or percentage value.

Allowable Values:

0–9999.99

Format: 0.00
data[].max_apr_schedules

array of objects

Conditionally returned		Contains max_apr_schedule objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to account/user substatus changes.

Allowable Values:

Valid array of one or more override_schedule objects
data[].max_apr_schedules[].value

decimal

Returned		The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.

Allowable Values:

0–100
data[].max_apr_schedules[].start_date

datetime

Returned		Date and time when the override APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].max_apr_schedules[].end_date

datetime

Conditionally returned		Date and time when the override APR ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
data[].max_apr_schedules[].reason

string

Returned		Reason for the override APR.

Allowable Values:

SCRA, MLA, HARDSHIP

​
Sample response body

JSON
{
  "count": 1,
  "start_index": 0,
  "end_index": 4,
  "is_more": true,
  "data": [
    {
      "token": "credit_account_token1234",
      "name": "John Jacob",
      "description": "Consumer credit account for John Jacob",
      "currency_code": "USD",
      "status": "ACTIVE",
      "substatuses": [],
      "user_substatuses": [],
      "activation_time": "2025-08-26T22:55:52.302Z",
      "created_time": "2025-08-26T22:55:52.100Z",
      "updated_time": "2025-08-26T22:55:52.304Z",
      "type": "CONSUMER",
      "credit_product_token": "credit_product_token1234",
      "user_token": "user_token1234",
      "business_token": "business_token123",
      "external_offer_id": "external-offer-11",
      "credit_limit": 6000,
      "current_balance": 0,
      "available_credit": 3232,
      "remaining_statement_balance": 2768,
      "remaining_min_payment_due": 25,
      "latest_statement_cycle_type": "TRANSACTING",
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31,
        "card_level": "TRADITIONAL",
        "e_disclosure_active": true,
        "fees": [
          {
            "type": "LATE_PAYMENT_FEE",
            "active": true,
            "created_date": "2025-08-26T22:55:52.124Z",
            "updated_date": "2025-08-26T22:55:52.124Z",
            "schedule": [
              {
                "method": "FLAT",
                "value": 25,
                "effective_date": "2025-08-26T22:55:52.124Z"
              }
            ]
          },
          {
            "type": "RETURNED_PAYMENT_FEE",
            "active": true,
            "created_date": "2025-09-03T19:06:27.946Z",
            "updated_date": "2025-09-03T19:06:27.946Z",
            "schedule": [
              {
                "method": "FLAT",
                "value": 10,
                "effective_date": "2025-09-03T19:06:27.946Z"
              }
            ]
          },
          {
            "type": "FOREIGN_TRANSACTION_FEE",
            "active": true,
            "created_date": "2025-09-03T19:06:27.946Z",
            "updated_date": "2025-09-03T19:06:27.946Z",
            "schedule": [
              {
                "method": "PERCENTAGE",
                "value": 12.5
              }
            ]
          }
        ],
        "rewards": [],
        "payment_holds": {
          "ach_hold_days": 0,
          "check_hold_days": 0
        }
      },
      "usages": [
        {
          "type": "PURCHASE",
          "aprs": [
            {
              "type": "GO_TO",
              "active": true,
              "created_date": "2025-08-26T22:55:52.106Z",
              "updated_date": "2025-08-26T22:55:52.106Z",
              "schedule": [
                {
                  "value": 14.99,
                  "effective_date": "2025-08-26T22:55:52.106Z"
                }
              ]
            }
          ],
          "fees": []
        }
      ],
      "max_apr_schedules": []
    }
  ]
}

​
Retrieve account

Action: GET
Endpoint: /credit/accounts/{account_token} Retrieve a credit account.

​
URL path parameters

FieldsDescription
account_token

string

Required		Unique identifier of the credit account to retrieve.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

​
URL query parameters

FieldsDescription
effective_fee_schedule_only

boolean

Optional		Display the effective fee schedule only.

Allowable Values:

true, false
light_response

boolean

Optional		If true, returns a lightweight response without any balances and usages.

Allowable Values:

true, false

​
Response body

FieldsDescription
token

string

Returned		Unique identifier of the credit account.

Allowable Values:

36 char max
secured_account_token

string

Conditionally returned		Unique identifier of the secured account.

Allowable Values:

36 char max
name

string

Conditionally returned		Name of the credit account.

Allowable Values:

255 char max
description

string

Conditionally returned		Description for the credit account.

Allowable Values:

255 char max
currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
status

string

Returned		Status of the credit account.

Allowable Values:

UNACTIVATED, ACTIVE, SUSPENDED, TERMINATED, CHARGE_OFF
substatuses

array of strings

Conditionally returned		Substatuses of the credit account.

Allowable Values:

Valid array of one or more credit account substatuses: HARDSHIP, FRAUD, CEASE_AND_DESIST, OPT_OUT
user_substatuses

array of strings

Conditionally returned		Substatuses of the users under the credit account.

Allowable Values:

Valid array of one or more user substatuses: MLA, SCRA, DECEASED, BANKRUPTCY, POWER_OF_ATTORNEY
business_substatuses

array of strings

Conditionally returned		Substatuses of the business under the credit account.

Allowable Values:

Valid array of one or more business substatuses: BANKRUPTCY``POWER_OF_ATTORNEY
activation_time

datetime

Conditionally returned		Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
created_time

datetime

Returned		Date and time when the credit account was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
updated_time

datetime

Returned		Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
type

string

Returned		Type of credit account.

Allowable Values:

CONSUMER, BUSINESS
bundle_token

string

Conditionally returned		Unique identifier of the associated bundle product.

Allowable Values:

Existing bundle token
credit_product_token

string

Conditionally returned		Unique identifier of the associated credit product.

Allowable Values:

Existing credit product token. Optional if a bundle_token is provided.
user_token

string

Conditionally returned		Unique identifier of the primary account holder or an administrative user of a business account.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing user token
business_token

string

Conditionally returned		Unique identifier of the parent business program.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing business token
external_offer_id

string

Conditionally returned		Unique identifier you provide of the associated external credit offer.

Allowable Values:

Your external offer identifier
credit_limit

decimal

Conditionally returned		Maximum balance the credit account can carry. Optional for light responses.

Allowable Values:

0–1000000
current_balance

decimal

Conditionally returned		Current purchase balance on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
available_credit

decimal

Conditionally returned		Amount of credit available for use on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_statement_balance

decimal

Conditionally returned		Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_min_payment_due

decimal

Conditionally returned		Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
latest_statement_cycle_type

string

Conditionally 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

NOTE: When creating or updating an account, only TRANSACTING is allowed.
config

object

Returned		Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.

Allowable Values:

Existing config object
config.billing_cycle_day

integer

Returned		Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.

Allowable Values:

1–28
config.payment_due_day

integer

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

Allowable Values:

31
config.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.

Allowable Values:

-1 min

Positive integers greater than 0; -1 is the default value
config.e_disclosure_active

boolean

Returned		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false
config.card_level

string

Returned		Level of the credit card.

Allowable Values:

PREMIUM, TRADITIONAL, NA
config.fees

array of objects

Conditionally returned		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
config.fees[].type

string

Conditionally returned		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
config.fees[].active

boolean

Conditionally returned		Whether the fee is active.

Allowable Values:

true, false
config.fees[].created_date

datetime

Conditionally returned		Date and time when the fee was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].updated_date

datetime

Conditionally returned		Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].schedule

array of objects

Conditionally returned		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
config.fees[].schedule[].method

string

Returned		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
config.fees[].schedule[].value

decimal

Returned		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
config.fees[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.rewards

array of objects

Conditionally returned		Contains one or more rewards associated with the credit account.

Allowable Values:

One or more rewards objects
config.rewards[].type

string

Returned		Type of reward.

Allowable Values:

AUTO_CASH_BACK, CASH_BACK, STATEMENT_CREDIT
config.rewards[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
config.rewards[].value

decimal

Conditionally returned		Value of the reward, either a flat reward amount or percentage value.

Allowable Values:

0–100
config.payment_holds

object

Returned		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
config.payment_holds.ach_hold_days

integer

Conditionally returned		Number of days to hold an ACH payment.

Allowable Values:

0–30
config.payment_holds.check_hold_days

integer

Conditionally returned		Number of days to hold a check payment.

Allowable Values:

0–30
config.min_payment

object

Conditionally returned		Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.

Allowable Values:

Existing min_payment object
config.min_payment.override_start_time

datetime

Conditionally returned		Date and time when the minimum payment override starts, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.override_end_time

datetime

Conditionally returned		Date and time when the minimum payment override ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.min_payment_flat_amount

decimal

Conditionally returned		Flat amount of the minimum payment override.

Allowable Values:

0 min
config.min_payment.min_payment_percentage

decimal

Conditionally returned		Percentage of the total statement balance used to calculate the minimum payment override amount.

Allowable Values:

0 min
config.min_payment.active

boolean

Conditionally returned		Whether the minimum payment override is currently active.

Allowable Values:

true, false
usages

array of objects

Conditionally returned		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.

Allowable Values:

Valid array of one or more usages objects
usages[].type

string

Returned		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
usages[].aprs

array of objects

Returned		Contains one or more APRs associated with the type of balance on the credit account.

Allowable Values:

One or more aprs objects
usages[].aprs[].type

string

Returned		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
usages[].aprs[].active

boolean

Conditionally returned		Whether the APR is active.

Allowable Values:

true, false
usages[].aprs[].created_date

datetime

Conditionally returned		Date and time when the APR was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].updated_date

datetime

Conditionally returned		Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule

array of objects

Returned		Contains one or more schedule objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
usages[].aprs[].schedule[].type

string

Conditionally returned		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
usages[].aprs[].schedule[].value

decimal

Returned		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
usages[].aprs[].schedule[].margin

decimal

Conditionally returned		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
usages[].aprs[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule[].apply_next_cycle

boolean

Conditionally returned		Whether the APR is ignored for the current billing cycle and applied on the next.

Allowable Values:

true, false

Default value:
false
usages[].fees

array of objects

Conditionally returned		Contains one or more fees associated with the usage type.

Allowable Values:

One or more fees objects
usages[].fees[].type

string

Returned		Type of fee.

NOTE: Only RETURNED_PAYMENT_FEE, LATE_PAYMENT_FEE, ANNUAL_FEE, and MONTHLY_FEE are currently supported. Do not pass other fees types.

Allowable Values:

FOREIGN_TRANSACTION_FEE, OVER_LIMIT_FEE, LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, CARD_REPLACEMENT_FEE, MINIMUM_INTEREST_FEE, MINIMUM_INTEREST_FEE_REVERSAL, ANNUAL_FEE, MONTHLY_FEE, ACCOUNT_FEE
usages[].fees[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
usages[].fees[].value

decimal

Conditionally returned		Value of the fee, either a flat fee amount or percentage value.

Allowable Values:

0–9999.99

Format: 0.00
max_apr_schedules

array of objects

Conditionally returned		Contains max_apr_schedule objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to account/user substatus changes.

Allowable Values:

Valid array of one or more override_schedule objects
max_apr_schedules[].value

decimal

Returned		The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.

Allowable Values:

0–100
max_apr_schedules[].start_date

datetime

Returned		Date and time when the override APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].end_date

datetime

Conditionally returned		Date and time when the override APR ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].reason

string

Returned		Reason for the override APR.

Allowable Values:

SCRA, MLA, HARDSHIP

​
Sample response body

JSON
{
  "token": "credit_account_token1234",
  "name": "John Jacob",
  "description": "Consumer credit account for John Jacob",
  "currency_code": "USD",
  "status": "ACTIVE",
  "activation_time": "2021-08-26T22:55:52.302Z",
  "created_time": "2021-08-26T22:55:52.100Z",
  "updated_time": "2021-08-26T22:55:52.304Z",
  "type": "CONSUMER",
  "credit_product_token": "credit_product_token1234",
  "user_token": "user_token1234",
  "external_offer_id": "external-offer-11",
  "credit_limit": 6000,
  "current_balance": 0,
  "available_credit": 3232,
  "remaining_statement_balance": 2768,
  "remaining_min_payment_due": 25,
  "latest_statement_cycle_type": "TRANSACTING",
  "config": {
    "billing_cycle_day": 1,
    "payment_due_day": 31,
    "card_level": "TRADITIONAL",
    "e_disclosure_active": true,
    "fees": [
      {
        "type": "LATE_PAYMENT_FEE",
        "active": true,
        "created_date": "2021-08-26T22:55:52.124Z",
        "updated_date": "2021-08-26T22:55:52.124Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 25,
            "effective_date": "2021-08-26T22:55:52.124Z"
          }
        ]
      },
      {
        "type": "RETURNED_PAYMENT_FEE",
        "active": true,
        "created_date": "2021-09-03T19:06:27.946Z",
        "updated_date": "2021-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 10,
            "effective_date": "2021-09-03T19:06:27.946Z"
          }
        ]
      },
      {
        "type": "FOREIGN_TRANSACTION_FEE",
        "active": true,
        "created_date": "2021-09-03T19:06:27.946Z",
        "updated_date": "2021-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "PERCENTAGE",
            "value": 12.5
          }
        ]
      }
    ],
    "rewards": [],
    "payment_holds": {
      "ach_hold_days": 0,
      "check_hold_days": 0
    }
  },
  "usages": [
    {
      "type": "PURCHASE",
      "aprs": [
        {
          "type": "GO_TO",
          "active": true,
          "created_date": "2021-08-26T22:55:52.106Z",
          "updated_date": "2021-08-26T22:55:52.106Z",
          "schedule": [
            {
              "value": 14.99,
              "effective_date": "2021-08-26T22:55:52.106Z"
            }
          ]
        }
      ],
      "fees": []
    }
  ]
}

​
Update account

Action: PUT
Endpoint: /credit/accounts/{account_token} Update a credit account.

​
URL path parameters

FieldsDescription
account_token

string

Required		Unique identifier of the credit account to update.

Send a GET request to /credit/accounts to retrieve existing credit account tokens.

Allowable Values:

Existing account token

​
Request body

FieldsDescription
config

object

Optional		Contains information relevant for updating configurations for electronic disclosures, fees, payment holds, and minimum payment.

Allowable Values:

Existing config object
config.e_disclosure_active

boolean

Optional		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false

Default value:
false
config.fees

array of objects

Optional		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
config.fees[].type

string

Required		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
config.fees[].schedule

array of objects

Required		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
config.fees[].schedule[].method

string

Required		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
config.fees[].schedule[].value

decimal

Required		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
config.fees[].schedule[].effective_date

datetime

Optional		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.payment_holds

object

Optional		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
config.payment_holds.ach_hold_days

integer

Optional		Number of days to hold an ACH payment.

Allowable Values:

0–30
config.payment_holds.check_hold_days

integer

Optional		Number of days to hold a check payment.

Allowable Values:

0–30
config.payment_due_interval

integer

Optional		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
config.min_payment

object

Optional		Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.

Allowable Values:

Existing min_payment object
config.min_payment.override_start_time

datetime

Optional		Date and time when the minimum payment override starts, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.override_end_time

datetime

Optional		Date and time when the minimum payment override ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.min_payment_flat_amount

decimal

Optional		Flat amount of the minimum payment override.

Allowable Values:

0 min
config.min_payment.min_payment_percentage

decimal

Optional		Percentage of the total statement balance used to calculate the minimum payment override amount.

Allowable Values:

0 min
config.min_payment.active

boolean

Optional		Whether the minimum payment override is currently active.

Allowable Values:

true, false
usages

array of objects

Optional		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account.

You can pass only one usages object per usages.type.

Allowable Values:

One or more usages objects
usages[].type

string

Required		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
usages[].aprs

array of objects

Optional		Contains one or more annual percentage rates (APRs) associated with the credit account.

Allowable Values:

One or more aprs objects
usages[].aprs[].type

string

Required		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
usages[].aprs[].schedule

array of objects

Required		Contains one or more schedule objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
usages[].aprs[].schedule[].type

string

Optional		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
usages[].aprs[].schedule[].margin

decimal

Optional		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
usages[].aprs[].schedule[].value

decimal

Required		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
usages[].aprs[].schedule[].effective_date

datetime

Optional		Date and time when the APR goes into effect, in UTC.

If you do not include a date-time value, the system uses the date and time when the API request was received.

NOTE: When passing multiple schedule objects, this field is required in all objects but the first. If you do not include effective_date in the first schedule, the system uses the date and time when the API request was received.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule[].apply_next_cycle

boolean

Optional		Whether the APR can be ignored for the current billing cycle and applied on the next.

Allowable Values:

true, false

Default value:
false
credit_limit

object

Optional		Contains information on the credit limit.

Allowable Values:

Existing credit_limit object
credit_limit.value

decimal

Required		Maximum balance the credit account can carry.

Allowable Values:

0–999999999999.99
user_token

string

Optional		User token tied to the credit account. You can only update the value of the user token for business accounts.

Allowable Values:

255 char max
latest_statement_cycle_type

string

Optional		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

NOTE: When creating or updating an account, only TRANSACTING is allowed.

​
Sample request body

JSON
{
  "config": {
    "payment_holds": {
      "ach_hold_days": 3,
      "check_hold_days": 5
    }
  },
  "credit_limit": {
    "value": 6000
  },
  "latest_statement_cycle_type": "TRANSACTING"
}

​
Response body

FieldsDescription
token

string

Returned		Unique identifier of the credit account.

Allowable Values:

36 char max
secured_account_token

string

Conditionally returned		Unique identifier of the secured account.

Allowable Values:

36 char max
name

string

Conditionally returned		Name of the credit account.

Allowable Values:

255 char max
description

string

Conditionally returned		Description for the credit account.

Allowable Values:

255 char max
currency_code

string

Returned		Valid three-digit ISO 4217 currency code.

Allowable Values:

USD
status

string

Returned		Status of the credit account.

Allowable Values:

UNACTIVATED, ACTIVE, SUSPENDED, TERMINATED, CHARGE_OFF
substatuses

array of strings

Conditionally returned		Substatuses of the credit account.

Allowable Values:

Valid array of one or more credit account substatuses: HARDSHIP, FRAUD, CEASE_AND_DESIST, OPT_OUT
user_substatuses

array of strings

Conditionally returned		Substatuses of the users under the credit account.

Allowable Values:

Valid array of one or more user substatuses: MLA, SCRA, DECEASED, BANKRUPTCY, POWER_OF_ATTORNEY
business_substatuses

array of strings

Conditionally returned		Substatuses of the business under the credit account.

Allowable Values:

Valid array of one or more business substatuses: BANKRUPTCY``POWER_OF_ATTORNEY
activation_time

datetime

Conditionally returned		Date and time when the credit account was activated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
created_time

datetime

Returned		Date and time when the credit account was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
updated_time

datetime

Returned		Date and time when the credit account was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
type

string

Returned		Type of credit account.

Allowable Values:

CONSUMER, BUSINESS
bundle_token

string

Conditionally returned		Unique identifier of the associated bundle product.

Allowable Values:

Existing bundle token
credit_product_token

string

Conditionally returned		Unique identifier of the associated credit product.

Allowable Values:

Existing credit product token. Optional if a bundle_token is provided.
user_token

string

Conditionally returned		Unique identifier of the primary account holder or an administrative user of a business account.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing user token
business_token

string

Conditionally returned		Unique identifier of the parent business program.

Either a user_token or business_token is returned, not both.

Allowable Values:

Existing business token
external_offer_id

string

Conditionally returned		Unique identifier you provide of the associated external credit offer.

Allowable Values:

Your external offer identifier
credit_limit

decimal

Conditionally returned		Maximum balance the credit account can carry. Optional for light responses.

Allowable Values:

0–1000000
current_balance

decimal

Conditionally returned		Current purchase balance on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
available_credit

decimal

Conditionally returned		Amount of credit available for use on the credit account. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_statement_balance

decimal

Conditionally returned		Amount remaining on the latest statement’s balance after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
remaining_min_payment_due

decimal

Conditionally returned		Amount remaining on the latest statement’s minimum payment after it is adjusted for payments, returned payments, and applicable credits that occurred after the latest statement’s closing date. Optional for light responses.

Allowable Values:

Format: 0.00
latest_statement_cycle_type

string

Conditionally 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

NOTE: When creating or updating an account, only TRANSACTING is allowed.
config

object

Returned		Contains information returned when configuring an account’s billing cycle day, payment due day, fees, and more.

Allowable Values:

Existing config object
config.billing_cycle_day

integer

Returned		Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.

Allowable Values:

1–28
config.payment_due_day

integer

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

Allowable Values:

31
config.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.

Allowable Values:

-1 min

Positive integers greater than 0; -1 is the default value
config.e_disclosure_active

boolean

Returned		A value of true indicates that the account holder consents to receiving disclosures and statements electronically.

Allowable Values:

true, false
config.card_level

string

Returned		Level of the credit card.

Allowable Values:

PREMIUM, TRADITIONAL, NA
config.fees

array of objects

Conditionally returned		Contains one or more fees associated with the credit account.

Allowable Values:

One or more fees objects
config.fees[].type

string

Conditionally returned		Type of fee.

Allowable Values:

LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, MONTHLY_FEE, ANNUAL_FEE, FOREIGN_TRANSACTION_FEE
config.fees[].active

boolean

Conditionally returned		Whether the fee is active.

Allowable Values:

true, false
config.fees[].created_date

datetime

Conditionally returned		Date and time when the fee was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].updated_date

datetime

Conditionally returned		Date and time when the fee was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.fees[].schedule

array of objects

Conditionally returned		Contains one or more fee schedules.

Allowable Values:

One or more schedule objects
config.fees[].schedule[].method

string

Returned		Method used to calculate the fee value.

Allowable Values:

FLAT, PERCENTAGE
config.fees[].schedule[].value

decimal

Returned		Amount of the fee.

Allowable Values:

0–9999.99

Format: 0.00
config.fees[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the fee goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.rewards

array of objects

Conditionally returned		Contains one or more rewards associated with the credit account.

Allowable Values:

One or more rewards objects
config.rewards[].type

string

Returned		Type of reward.

Allowable Values:

AUTO_CASH_BACK, CASH_BACK, STATEMENT_CREDIT
config.rewards[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
config.rewards[].value

decimal

Conditionally returned		Value of the reward, either a flat reward amount or percentage value.

Allowable Values:

0–100
config.payment_holds

object

Returned		Contains configurations for a payment hold.

Allowable Values:

Existing payment_holds object
config.payment_holds.ach_hold_days

integer

Conditionally returned		Number of days to hold an ACH payment.

Allowable Values:

0–30
config.payment_holds.check_hold_days

integer

Conditionally returned		Number of days to hold a check payment.

Allowable Values:

0–30
config.min_payment

object

Conditionally returned		Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product.

Allowable Values:

Existing min_payment object
config.min_payment.override_start_time

datetime

Conditionally returned		Date and time when the minimum payment override starts, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.override_end_time

datetime

Conditionally returned		Date and time when the minimum payment override ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
config.min_payment.min_payment_flat_amount

decimal

Conditionally returned		Flat amount of the minimum payment override.

Allowable Values:

0 min
config.min_payment.min_payment_percentage

decimal

Conditionally returned		Percentage of the total statement balance used to calculate the minimum payment override amount.

Allowable Values:

0 min
config.min_payment.active

boolean

Conditionally returned		Whether the minimum payment override is currently active.

Allowable Values:

true, false
usages

array of objects

Conditionally returned		Contains one or more usages objects that contain information on how a credit account is used and what types of balances are permitted on the account. Optional for light responses.

Allowable Values:

Valid array of one or more usages objects
usages[].type

string

Returned		Type of balance.

- PURCHASE - The balance on purchases.

Allowable Values:

PURCHASE
usages[].aprs

array of objects

Returned		Contains one or more APRs associated with the type of balance on the credit account.

Allowable Values:

One or more aprs objects
usages[].aprs[].type

string

Returned		Type of APR.

- GO_TO - Default APR rate that is applicable when any promotional periods expire.
- PROMOTIONAL - A temporary rate that is applicable for a specified period of time.

Allowable Values:

GO_TO, PROMOTIONAL
usages[].aprs[].active

boolean

Conditionally returned		Whether the APR is active.

Allowable Values:

true, false
usages[].aprs[].created_date

datetime

Conditionally returned		Date and time when the APR was created on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].updated_date

datetime

Conditionally returned		Date and time when the APR was last updated on Marqeta’s credit platform, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule

array of objects

Returned		Contains one or more schedule objects, which contain information about the annual percentage rates (APRs) associated with the type of balance on the credit account and when they are effective.

Allowable Values:

One or more schedule objects
usages[].aprs[].schedule[].type

string

Conditionally returned		Indicates whether the APR value is fixed or variable.

Allowable Values:

FIXED, VARIABLE
usages[].aprs[].schedule[].value

decimal

Returned		Percentage value of the APR.

If the APR type is FIXED, this is the value of the fixed rate. If the APR type is VARIABLE, the value is calculated by adding the margin to the prime rate that was stored on Marqeta’s credit platform when your credit program was created.

When backdating an APR, this value cannot be greater than the value of the effective APR on the backdated date.

Allowable Values:

0–100
usages[].aprs[].schedule[].margin

decimal

Conditionally returned		Number of percentage points added to the prime rate, used to calculate a variable value.

Used for variable values only.

Allowable Values:

Format: 0.00
usages[].aprs[].schedule[].effective_date

datetime

Conditionally returned		Date and time when the APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
usages[].aprs[].schedule[].apply_next_cycle

boolean

Conditionally returned		Whether the APR is ignored for the current billing cycle and applied on the next.

Allowable Values:

true, false

Default value:
false
usages[].fees

array of objects

Conditionally returned		Contains one or more fees associated with the usage type.

Allowable Values:

One or more fees objects
usages[].fees[].type

string

Returned		Type of fee.

NOTE: Only RETURNED_PAYMENT_FEE, LATE_PAYMENT_FEE, ANNUAL_FEE, and MONTHLY_FEE are currently supported. Do not pass other fees types.

Allowable Values:

FOREIGN_TRANSACTION_FEE, OVER_LIMIT_FEE, LATE_PAYMENT_FEE, RETURNED_PAYMENT_FEE, CARD_REPLACEMENT_FEE, MINIMUM_INTEREST_FEE, MINIMUM_INTEREST_FEE_REVERSAL, ANNUAL_FEE, MONTHLY_FEE, ACCOUNT_FEE
usages[].fees[].method

string

Returned		Method, either a flat amount or a percentage.

NOTE: Only FLAT is currently supported.

Allowable Values:

PERCENTAGE, FLAT
usages[].fees[].value

decimal

Conditionally returned		Value of the fee, either a flat fee amount or percentage value.

Allowable Values:

0–9999.99

Format: 0.00
max_apr_schedules

array of objects

Conditionally returned		Contains max_apr_schedule objects, which provide information about any temporary overrides of the APRs on the credit account. This could include special APR rates due to account/user substatus changes.

Allowable Values:

Valid array of one or more override_schedule objects
max_apr_schedules[].value

decimal

Returned		The APR percentage value. This is the value of the fixed rate during the override period. The APR value must adhere to the constraints of the main schedule, such as maximum allowable values.

Allowable Values:

0–100
max_apr_schedules[].start_date

datetime

Returned		Date and time when the override APR goes into effect, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].end_date

datetime

Conditionally returned		Date and time when the override APR ends, in UTC.

Allowable Values:

Format: yyyy-MM-ddThh:mm:ssZ
max_apr_schedules[].reason

string

Returned		Reason for the override APR.

Allowable Values:

SCRA, MLA, HARDSHIP

​
Sample response body

JSON
{
  "token": "credit_account_token1234",
  "name": "John Jacob",
  "description": "Consumer credit account for John Jacob",
  "currency_code": "USD",
  "status": "ACTIVE",
  "substatuses": [],
  "user_substatuses": [],
  "activation_time": "2021-08-26T22:55:52.302Z",
  "created_time": "2021-08-26T22:55:52.100Z",
  "updated_time": "2021-08-26T22:55:52.304Z",
  "type": "CONSUMER",
  "credit_product_token": "credit_product_token1234",
  "user_token": "user_token1234",
  "external_offer_id": "external-offer-11",
  "credit_limit": 6000,
  "current_balance": 0,
  "available_credit": 3232,
  "remaining_statement_balance": 2768,
  "remaining_min_payment_due": 25,
  "latest_statement_cycle_type": "TRANSACTING",
  "config": {
    "billing_cycle_day": 1,
    "payment_due_day": 31,
    "card_level": "TRADITIONAL",
    "e_disclosure_active": true,
    "fees": [
      {
        "type": "LATE_PAYMENT_FEE",
        "active": true,
        "created_date": "2021-08-26T22:55:52.124Z",
        "updated_date": "2021-08-26T22:55:52.124Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 25
          }
        ]
      },
      {
        "type": "RETURNED_PAYMENT_FEE",
        "active": true,
        "created_date": "2021-09-03T19:06:27.946Z",
        "updated_date": "2021-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "FLAT",
            "value": 10,
            "effective_date": "2021-09-03T19:06:27.946Z"
          }
        ]
      },
      {
        "type": "FOREIGN_TRANSACTION_FEE",
        "active": true,
        "created_date": "2021-09-03T19:06:27.946Z",
        "updated_date": "2021-09-03T19:06:27.946Z",
        "schedule": [
          {
            "method": "PERCENTAGE",
            "value": 12.5
          }
        ]
      }
    ],
    "rewards": [],
    "payment_holds": {
      "ach_hold_days": 3,
      "check_hold_days": 5
    }
  },
  "usages": [
    {
      "type": "PURCHASE",
      "aprs": [
        {
          "type": "GO_TO",
          "active": true,
          "created_date": "2021-08-26T22:55:52.106Z",
          "updated_date": "2021-08-26T22:55:52.106Z",
          "schedule": [
            {
              "value": 14.99,
              "effective_date": "2021-08-26T22:55:52.106Z"
            }
          ]
        }
      ],
      "fees": []
    }
  ],
  "max_apr_schedules": []
}

Related topics

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