Credit Accounts

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.

Create account

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

Request body

Fields	Description
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

Fields	Description
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

Fields	Description
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

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the 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

Fields	Description
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

Fields	Description
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

Fields	Description
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

Fields	Description
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

Fields	Description
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

Fields	Description
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": []
}

​Create account

​Request body

​Sample request body

​Response body

​Sample response body

​List accounts

​URL query parameters

​Response body

​Sample response body

​Retrieve account

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​Update account

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

Create account

Request body

Sample request body

Response body

Sample response body

List accounts

URL query parameters

Response body

Sample response body

Retrieve account

URL path parameters

URL query parameters

Response body

Sample response body

Update account

URL path parameters

Request body

Sample request body

Response body

Sample response body