Credit Products

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

The credit products feature on Marqeta’s credit platform enables you to create and manage a credit product and customize its characteristics, such as the credit line range and required fees or APRs. Credit product characteristics determine the behaviors and attributes of associated credit accounts. For more on credit products, see About Credit Products. To receive webhook notifications when product transition events occur, see Credit product transition events in Event Types.

Important
To create and manage credit products, you must use the Marqeta Dashboard. For more, see Managing Credit Products in the Marqeta Dashboard. The following endpoints are displayed for reference purposes only.

Create credit product

Action: POST
Endpoint: /credit/products Create a credit product.

Request body

Fields	Description
token string Optional	Unique identifier of the credit product. Allowable Values: 36 char max
card_product_tokens array of strings Required	One or more associated card product tokens. Allowable Values: Existing card product tokens
name string Required	Name of the credit product. Allowable Values: 255 char max
description string Optional	Description of the credit product. Allowable Values: 255 char max
status string Optional	Status of the credit product. - `DRAFT` - The credit product is in the process of being created. - `PENDING_APPROVAL` - The credit product has been created and is awaiting approval. - `SENT_FOR_REVISION` - The credit product has been returned for revision. - `ACTIVE` - The credit product is active. - `REJECTED` - The credit product has been rejected; this status cannot be changed. - `ARCHIVED` - The previously active credit product has been archived. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
classification string Required	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Required	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Required	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Required	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Required	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Required	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Required	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Required	One or more usage types for the credit product. Allowable Values: `PURCHASE`
min_payment_percentage decimal Required	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_flat_amount decimal Required	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
min_payment_calculation object Optional	Contains information used to calculate the minimum payment amount. Allowable Values: Existing `min_payment_calculation` object
min_payment_calculation.include_past_due_amount boolean Required	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_percentage object Required	Contains information used to calculate the minimum payment percentage. Allowable Values: Existing `min_payment_percentage` object
min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Required	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_calculation.min_payment_percentage.include_fees_charged array of strings Required	One or more fee types to include when calculating the minimum payment. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Optional	Whether to include all fees charged when calculating the minimum payments. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_flat_amount decimal Required	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
payment_allocation_order array of strings Required	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
interest_calculation object Required	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Required	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Required	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Required	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Required	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Required	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Required	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Optional	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config object Required	Contains information on configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `config` object
config.billing_cycle_day integer Required	Day of the month when the billing cycle starts. 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 deprecated. Use the `product.payment_due_interval` field instead. To retrieve `payment_due_interval`, see Retrieve credit product, config.payment_due_interval. Allowable Values: 31
config.billing_cycle_frequency string Optional	Frequency at which the account is billed. Allowable Values: `MONTHLY`
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.billing_cycle_day_strategy string Optional	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
config.fees array of strings Optional	One or more fee types. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config.periodic_fees array of objects Optional	Contains one or more periodic fees. Allowable Values: One or more `periodic_fees` objects
config.periodic_fees[].frequency string Required	How frequently the fee is charged. Allowable Values: `ANNUAL`, `MONTHLY`
config.periodic_fees[].number_of_days_post_activation integer Required	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000

Sample request body

JSON

{
  "card_product_tokens": [
    "my_card_product1234"
  ],
  "name": "my_credit_product1234",
  "status": "ACTIVE",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 25,
    "max": 200000
  },
  "usage": [
    "PURCHASE"
  ],
  "min_payment_percentage": 1,
  "min_payment_flat_amount": 25,
  "min_payment_calculation": {
    "include_past_due_amount": true,
    "include_overlimit_amount": true,
    "min_payment_percentage": {
      "percentage_of_balance": 1,
      "include_interest_charged": false,
      "include_fees_charged": [
        "LATE_PAYMENT_FEE"
      ]
    },
    "min_payment_flat_amount": 25
  },
  "payment_allocation_order": [
    "INTEREST",
    "FEES",
    "PRINCIPAL"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT"
    ]
  },
  "config": {
    "billing_cycle_day": 1,
    "payment_due_day": 31,
    "fees": [
      "LATE_PAYMENT_FEE"
    ],
    "periodic_fees": []
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product. Allowable Values: 36 char max
parent_product_token string Conditionally returned	Unique identifier of the parent credit product. Allowable Values: Existing credit product token
card_product_tokens array of strings Conditionally returned	One or more associated card product tokens. Allowable Values: Existing card product tokens
name string Conditionally returned	Name of the credit product. Allowable Values: 255 char max
description string Conditionally returned	Description of the credit product. Allowable Values: 255 char max
status string Conditionally returned	Status of the credit product. - `DRAFT` - The credit product is in the process of being created. - `PENDING_APPROVAL` - The credit product has been created and is awaiting approval. - `SENT_FOR_REVISION` - The credit product has been returned for revision. - `ACTIVE` - The credit product is active. - `REJECTED` - The credit product has been rejected; this status cannot be changed. - `ARCHIVED` - The previously active credit product has been archived. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
created_time datetime Conditionally returned	Date and time when the credit product was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product. Allowable Values: `PURCHASE`
min_payment_percentage decimal Conditionally returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
min_payment_calculation object Conditionally returned	Contains information used to calculate the minimum payment amount. Allowable Values: Existing `min_payment_calculation` object
min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_percentage object Returned	Contains information used to calculate the minimum payment percentage. Allowable Values: Existing `min_payment_percentage` object
min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_calculation.min_payment_percentage.include_fees_charged array of strings Returned	One or more fee types to include when calculating the minimum payment. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payments. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_flat_amount decimal Returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
payment_allocation_order array of strings Conditionally returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config object Conditionally returned	Contains information on configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `config` object
config.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
config.payment_due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is deprecated. Use the `product.payment_due_interval` field instead. To retrieve `payment_due_interval`, see Retrieve credit product, config.payment_due_interval. Allowable Values: 31
config.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
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. 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.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
config.fees array of strings Conditionally returned	One or more fee types. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config.periodic_fees array of objects Conditionally returned	Contains one or more periodic fees. Allowable Values: One or more `periodic_fees` objects
config.periodic_fees[].frequency string Returned	How frequently the fee is charged. Allowable Values: `ANNUAL`, `MONTHLY`
config.periodic_fees[].number_of_days_post_activation integer Returned	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000

Sample response body

JSON

{
  "token": "my_credit_product_token1234",
  "card_product_tokens": [
    "my_card_product1234"
  ],
  "name": "Gold Card",
  "description": "Description of credit product",
  "status": "ACTIVE",
  "created_time": "2021-09-03T19:03:21.035Z",
  "updated_time": "2021-09-03T19:03:21.035Z",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 25,
    "max": 200000
  },
  "usage": [
    "PURCHASE"
  ],
  "min_payment_percentage": 1,
  "min_payment_flat_amount": 25,
  "min_payment_calculation": {
    "include_past_due_amount": false,
    "include_overlimit_amount": false,
    "min_payment_percentage": {
      "percentage_of_balance": 1,
      "include_interest_charged": false,
      "include_fees_charged": []
    },
    "min_payment_flat_amount": 25
  },
  "payment_allocation_order": [
    "INTEREST",
    "FEES",
    "PRINCIPAL"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT"
    ]
  },
  "config": {
    "billing_cycle_day": 1,
    "payment_due_day": 31,
    "fees": [
      "LATE_PAYMENT_FEE"
    ],
    "periodic_fees": [],
    "fees_config": [],
    "rewards_config": []
  }
}

List credit products

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

URL query parameters

Fields	Description
status array of strings Optional	An array of statuses by which to filter credit products. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
count integer Optional	Number of credit product 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`

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 last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	Contains one or more credit product objects. Allowable Values: One or more credit product objects
data[].token string Conditionally returned	Unique identifier of the credit product. Allowable Values: 36 char max
data[].parent_product_token string Conditionally returned	Unique identifier of the parent credit product. Allowable Values: Existing credit product token
data[].card_product_tokens array of strings Conditionally returned	One or more associated card product tokens. Allowable Values: Existing card product tokens
data[].name string Conditionally returned	Name of the credit product. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the credit product. Allowable Values: 255 char max
data[].status string Conditionally returned	Status of the credit product. - `DRAFT` - The credit product is in the process of being created. - `PENDING_APPROVAL` - The credit product has been created and is awaiting approval. - `SENT_FOR_REVISION` - The credit product has been returned for revision. - `ACTIVE` - The credit product is active. - `REJECTED` - The credit product has been rejected; this status cannot be changed. - `ARCHIVED` - The previously active credit product has been archived. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
data[].created_time datetime Conditionally returned	Date and time when the credit product was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the credit product was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
data[].product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
data[].product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
data[].currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
data[].credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
data[].credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
data[].credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
data[].usage array of strings Conditionally returned	One or more usage types for the credit product. Allowable Values: `PURCHASE`
data[].min_payment_percentage decimal Conditionally returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
data[].min_payment_calculation object Conditionally returned	Contains information used to calculate the minimum payment amount. Allowable Values: Existing `min_payment_calculation` object
data[].min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].min_payment_calculation.min_payment_percentage object Returned	Contains information used to calculate the minimum payment percentage. Allowable Values: Existing `min_payment_percentage` object
data[].min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].min_payment_calculation.min_payment_percentage.include_fees_charged array of strings Returned	One or more fee types to include when calculating the minimum payment. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payments. Allowable Values: `true`, `false`
data[].min_payment_calculation.min_payment_flat_amount decimal Returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
data[].payment_allocation_order array of strings Conditionally returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
data[].interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
data[].interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
data[].interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
data[].interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
data[].interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
data[].interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
data[].interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
data[].interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].config object Conditionally returned	Contains information on configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `config` object
data[].config.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
data[].config.payment_due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is deprecated. Use the `product.payment_due_interval` field instead. To retrieve `payment_due_interval`, see Retrieve credit product, config.payment_due_interval. Allowable Values: 31
data[].config.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
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. 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
data[].config.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
data[].config.fees array of strings Conditionally returned	One or more fee types. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].config.periodic_fees array of objects Conditionally returned	Contains one or more periodic fees. Allowable Values: One or more `periodic_fees` objects
data[].config.periodic_fees[].frequency string Returned	How frequently the fee is charged. Allowable Values: `ANNUAL`, `MONTHLY`
data[].config.periodic_fees[].number_of_days_post_activation integer Returned	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 0,
  "is_more": true,
  "data": [
    {
      "token": "my_credit_product_token1234",
      "card_product_tokens": [
        "my_card_product1234"
      ],
      "name": "Gold Card",
      "description": "Description of credit product",
      "status": "ACTIVE",
      "created_time": "2023-09-03T19:03:21.035Z",
      "updated_time": "2023-09-03T19:03:21.035Z",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 25,
        "max": 200000
      },
      "usage": [
        "PURCHASE"
      ],
      "min_payment_percentage": 1,
      "min_payment_flat_amount": 25,
      "min_payment_calculation": {
        "include_past_due_amount": false,
        "include_overlimit_amount": false,
        "min_payment_percentage": {
          "percentage_of_balance": 1,
          "include_interest_charged": false,
          "include_fees_charged": []
        },
        "min_payment_flat_amount": 25
      },
      "payment_allocation_order": [
        "INTEREST",
        "FEES",
        "PRINCIPAL"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "ANNUAL_FEE",
          "LATE_PAYMENT_FEE",
          "CASH_BACK_STATEMENT_CREDIT"
        ]
      },
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31,
        "fees": [
          "LATE_PAYMENT_FEE"
        ],
        "periodic_fees": [
          {
            "frequency": "ANNUAL",
            "number_of_days_post_activation": 5
          },
          {
            "frequency": "MONTHLY",
            "number_of_days_post_activation": 28
          }
        ],
        "fees_config": [],
        "rewards_config": []
      }
    },
    {
      "token": "credit-product-token-9163",
      "card_product_tokens": [
        "card-product-token-d308",
        "card-product-token-cc10"
      ],
      "name": "My Platinum Credit Product",
      "description": "Platinum consumer product",
      "status": "ACTIVE",
      "created_time": "2023-10-26T14:46:26.678Z",
      "updated_time": "2023-10-26T16:45:19.908Z",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 200,
        "max": 20000
      },
      "usage": [
        "PURCHASE"
      ],
      "min_payment_percentage": 2,
      "min_payment_flat_amount": 22,
      "payment_allocation_order": [
        "INTEREST",
        "FEES",
        "PRINCIPAL"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "LATE_PAYMENT_FEE",
          "ANNUAL_FEE",
          "CASH_BACK_STATEMENT_CREDIT"
        ]
      },
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31,
        "fees": [
          "LATE_PAYMENT_FEE"
        ],
        "periodic_fees": [
          {
            "frequency": "ANNUAL",
            "number_of_days_post_activation": 5
          },
          {
            "frequency": "MONTHLY",
            "number_of_days_post_activation": 28
          }
        ],
        "fees_config": [],
        "rewards_config": []
      }
    }
  ]
}

Retrieve credit product

Action: GET
Endpoint: /credit/products/{token} Retrieve a credit product.

URL path parameters

Fields	Description
token string Required	Unique identifier of the credit product to retrieve. Send a `GET` request to `/credit/products` to retrieve existing credit product tokens. Allowable Values: Existing credit product token

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the credit product. Allowable Values: 36 char max
parent_product_token string Conditionally returned	Unique identifier of the parent credit product. Allowable Values: Existing credit product token
card_product_tokens array of strings Conditionally returned	One or more associated card product tokens. Allowable Values: Existing card product tokens
name string Conditionally returned	Name of the credit product. Allowable Values: 255 char max
description string Conditionally returned	Description of the credit product. Allowable Values: 255 char max
status string Conditionally returned	Status of the credit product. - `DRAFT` - The credit product is in the process of being created. - `PENDING_APPROVAL` - The credit product has been created and is awaiting approval. - `SENT_FOR_REVISION` - The credit product has been returned for revision. - `ACTIVE` - The credit product is active. - `REJECTED` - The credit product has been rejected; this status cannot be changed. - `ARCHIVED` - The previously active credit product has been archived. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
created_time datetime Conditionally returned	Date and time when the credit product was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the credit product was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
usage array of strings Conditionally returned	One or more usage types for the credit product. Allowable Values: `PURCHASE`
min_payment_percentage decimal Conditionally returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
min_payment_calculation object Conditionally returned	Contains information used to calculate the minimum payment amount. Allowable Values: Existing `min_payment_calculation` object
min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_percentage object Returned	Contains information used to calculate the minimum payment percentage. Allowable Values: Existing `min_payment_percentage` object
min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
min_payment_calculation.min_payment_percentage.include_fees_charged array of strings Returned	One or more fee types to include when calculating the minimum payment. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payments. Allowable Values: `true`, `false`
min_payment_calculation.min_payment_flat_amount decimal Returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
payment_allocation_order array of strings Conditionally returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config object Conditionally returned	Contains information on configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `config` object
config.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
config.payment_due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is deprecated. Use the `product.payment_due_interval` field instead. To retrieve `payment_due_interval`, see Retrieve credit product, config.payment_due_interval. Allowable Values: 31
config.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
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. 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.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
config.fees array of strings Conditionally returned	One or more fee types. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
config.periodic_fees array of objects Conditionally returned	Contains one or more periodic fees. Allowable Values: One or more `periodic_fees` objects
config.periodic_fees[].frequency string Returned	How frequently the fee is charged. Allowable Values: `ANNUAL`, `MONTHLY`
config.periodic_fees[].number_of_days_post_activation integer Returned	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000

Sample response body

JSON

{
  "token": "credit-product-token1111",
  "card_product_tokens": [
    "card-product-token-2222"
  ],
  "name": "Gold Product",
  "description": "Description of Gold Product",
  "status": "DRAFT",
  "created_time": "2020-12-17T00:11:46Z",
  "updated_time": "2020-12-17T00:11:46Z",
  "classification": "CONSUMER",
  "product_type": "REVOLVING",
  "product_sub_type": "CREDIT_CARD",
  "currency_code": "USD",
  "credit_line": {
    "min": 1500,
    "max": 3500
  },
  "usage": [
    "PURCHASE"
  ],
  "min_payment_percentage": 0.0001,
  "min_payment_flat_amount": 0.01,
  "payment_allocation_order": [
    "INTEREST",
    "FEES",
    "PRINCIPAL"
  ],
  "interest_calculation": {
    "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
    "day_count": "ACTUAL",
    "interest_application": [
      "PRINCIPAL",
      "FEES"
    ],
    "minimum_interest": 1,
    "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
    "grace_days_application": "NEXT_CYCLE_DATE",
    "exclude_tran_types": [
      "ANNUAL_FEE",
      "LATE_PAYMENT_FEE",
      "CASH_BACK_STATEMENT_CREDIT"
    ]
  },
  "config": {
    "billing_cycle_day": 1,
    "payment_due_day": 31,
    "fees": [
      "LATE_PAYMENT_FEE"
    ],
    "periodic_fees": [
      {
        "frequency": "ANNUAL",
        "number_of_days_post_activation": 5
      },
      {
        "frequency": "MONTHLY",
        "number_of_days_post_activation": 28
      }
    ]
  }
}

Retrieve credit product lineage

Action: GET
Endpoint: /credit/products/{token}/lineage Retrieve the lineage of a credit product, which is an array of related credit products whose lineage can be traced back to the same original credit product. This endpoint supports sorting and pagination.

URL path parameters

Fields	Description
token string Required	Unique identifier of the credit product whose lineage you want to retrieve. Send a `GET` request to `/credit/products` to retrieve existing credit product tokens. Allowable Values: Existing credit product token

URL query parameters

Fields	Description
status array of strings Optional	An array of statuses by which to filter credit products. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
count integer Optional	Number of credit product 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`

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 last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	Contains one or more credit product objects. Allowable Values: One or more credit product objects
data[].token string Conditionally returned	Unique identifier of the credit product. Allowable Values: 36 char max
data[].parent_product_token string Conditionally returned	Unique identifier of the parent credit product. Allowable Values: Existing credit product token
data[].card_product_tokens array of strings Conditionally returned	One or more associated card product tokens. Allowable Values: Existing card product tokens
data[].name string Conditionally returned	Name of the credit product. Allowable Values: 255 char max
data[].description string Conditionally returned	Description of the credit product. Allowable Values: 255 char max
data[].status string Conditionally returned	Status of the credit product. - `DRAFT` - The credit product is in the process of being created. - `PENDING_APPROVAL` - The credit product has been created and is awaiting approval. - `SENT_FOR_REVISION` - The credit product has been returned for revision. - `ACTIVE` - The credit product is active. - `REJECTED` - The credit product has been rejected; this status cannot be changed. - `ARCHIVED` - The previously active credit product has been archived. Allowable Values: `DRAFT`, `PENDING_APPROVAL`, `SENT_FOR_REVISION`, `ACTIVE`, `REJECTED`, `ARCHIVED`
data[].created_time datetime Conditionally returned	Date and time when the credit product was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Conditionally returned	Date and time when the credit product was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].classification string Conditionally returned	Specifies for whom the credit product is intended. - `CONSUMER` - The credit product is intended for individual consumers. - `SMALL_AND_MEDIUM_BUSINESS` - The credit product is intended for small and medium business. Allowable Values: `CONSUMER`, `SMALL_AND_MEDIUM_BUSINESS`
data[].product_type string Conditionally returned	Type of credit product. `REVOLVING` - Allows users to continuously borrow and pay debts up to the credit limit. Allowable Values: `REVOLVING`
data[].product_sub_type string Conditionally returned	Subtype of the credit product type. - `CREDIT_CARD` - Card that enables the cardholder to make purchases on credit. - `SECURED_CARD` - Card backed by a user-funded deposit that enables the cardholder to make purchases on credit. Allowable Values: `CREDIT_CARD`, `SECURED_CARD`
data[].currency_code string Conditionally returned	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
data[].credit_line object Conditionally returned	Contains information on the credit line range. Allowable Values: Existing `credit_line` object
data[].credit_line.min decimal Returned	Minimum credit limit. Allowable Values: 0–999999999999.99
data[].credit_line.max decimal Returned	Maximum credit limit. Allowable Values: 0–999999999999.99
data[].usage array of strings Conditionally returned	One or more usage types for the credit product. Allowable Values: `PURCHASE`
data[].min_payment_percentage decimal Conditionally returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].min_payment_flat_amount decimal Conditionally returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
data[].min_payment_calculation object Conditionally returned	Contains information used to calculate the minimum payment amount. Allowable Values: Existing `min_payment_calculation` object
data[].min_payment_calculation.include_past_due_amount boolean Returned	Whether to include the past due amount when calculating the minimum payment. Allowable Values: `true`, `false`
data[].min_payment_calculation.min_payment_percentage object Returned	Contains information used to calculate the minimum payment percentage. Allowable Values: Existing `min_payment_percentage` object
data[].min_payment_calculation.min_payment_percentage.percentage_of_balance decimal Returned	Minimum payment, expressed as a percentage of the total statement balance, due on the payment due day. Allowable Values: 0.0001–100
data[].min_payment_calculation.min_payment_percentage.include_fees_charged array of strings Returned	One or more fee types to include when calculating the minimum payment. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].min_payment_calculation.min_payment_percentage.include_all_fees_charged boolean Conditionally returned	Whether to include all fees charged when calculating the minimum payments. Allowable Values: `true`, `false`
data[].min_payment_calculation.min_payment_flat_amount decimal Returned	Minimum payment, expressed as a flat amount, due on the payment due day. Allowable Values: 0.01 min
data[].payment_allocation_order array of strings Conditionally returned	Ordered list of balance types to which payments are allocated, from first to last. Allowable Values: `INTEREST`, `FEES`, `PRINCIPAL`
data[].interest_calculation object Conditionally returned	Contains the configurations for interest calculation. Allowable Values: Existing `interest_calculation` object
data[].interest_calculation.method string Returned	Method of interest calculation. Allowable Values: `AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS`
data[].interest_calculation.day_count string Returned	Day-count convention. Allowable Values: `ACTUAL`
data[].interest_calculation.interest_application array of strings Returned	One or more balance types on which interest is applied. Allowable Values: `PRINCIPAL`, `FEES`, `INTEREST`
data[].interest_calculation.minimum_interest decimal Returned	When interest is applied, this value determines the minimum amount of interest that can be charged. Allowable Values: 0–999999999999.99
data[].interest_calculation.interest_on_grace_reactivation string Returned	Determines whether to charge or waive interest for the billing period when the balance is paid off. Allowable Values: `ACCRUE_FULL_CYCLE`, `ACCRUE_PAYMENT_DATE`, `WAIVE`
data[].interest_calculation.grace_days_application string Returned	Determines the last day of grace period based on which interest charges are calculated. Allowable Values: `NEXT_CYCLE_DATE`
data[].interest_calculation.exclude_tran_types array of strings Conditionally returned	One or more transactions that are excluded from current billing period’s interest charge, but included in next. Allowable Values: `LATE_PAYMENT_FEE`, `ANNUAL_FEE`, `MONTHLY_FEE`, `CASH_BACK_STATEMENT_CREDIT`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].config object Conditionally returned	Contains information on configurations for billing cycle day, payment due day, and fees. Allowable Values: Existing `config` object
data[].config.billing_cycle_day integer Returned	Day of the month when the billing cycle starts. Allowable Values: 1–28
data[].config.payment_due_day integer Conditionally returned	Day of month the payment for the previous billing cycle is due. This field is deprecated. Use the `product.payment_due_interval` field instead. To retrieve `payment_due_interval`, see Retrieve credit product, config.payment_due_interval. Allowable Values: 31
data[].config.billing_cycle_frequency string Conditionally returned	Frequency at which the account is billed. Allowable Values: `MONTHLY`
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. 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
data[].config.billing_cycle_day_strategy string Conditionally returned	Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic. Allowable Values: `MANUAL`
data[].config.fees array of strings Conditionally returned	One or more fee types. Allowable Values: `LATE_PAYMENT_FEE`, `RETURNED_PAYMENT_FEE`, `FOREIGN_TRANSACTION_FEE`
data[].config.periodic_fees array of objects Conditionally returned	Contains one or more periodic fees. Allowable Values: One or more `periodic_fees` objects
data[].config.periodic_fees[].frequency string Returned	How frequently the fee is charged. Allowable Values: `ANNUAL`, `MONTHLY`
data[].config.periodic_fees[].number_of_days_post_activation integer Returned	Number of days after an account is activated that the initial fee is charged. For example, if the value in this field is `30`, then the initial fee is charged 30 days after an account is activated. Allowable Values: 1–1000

Sample response body

JSON

{
  "count": 3,
  "start_index": 0,
  "end_index": 2,
  "is_more": false,
  "data": [
    {
      "token": "credit-product-token-9163",
      "parent_product_token": "credit-product-token-366b",
      "card_product_tokens": [
        "card-product-token-d308",
        "card-product-token-cc10"
      ],
      "name": "My Platinum Credit Product",
      "description": "Platinum consumer product",
      "status": "ACTIVE",
      "created_time": "2023-10-26T14:46:26.678Z",
      "updated_time": "2023-10-26T16:45:19.908Z",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 200,
        "max": 20000
      },
      "usage": [
        "PURCHASE"
      ],
      "min_payment_percentage": 2,
      "min_payment_flat_amount": 22,
      "min_payment_calculation": {
        "include_past_due_amount": true,
        "include_overlimit_amount": false,
        "min_payment_percentage": {
          "percentage_of_balance": 2,
          "include_interest_charged": false,
          "include_fees_charged": []
        },
        "min_payment_flat_amount": 22
      },
      "payment_allocation_order": [
        "INTEREST",
        "FEES",
        "PRINCIPAL"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "LATE_PAYMENT_FEE",
          "ANNUAL_FEE",
          "CASH_BACK_STATEMENT_CREDIT"
        ]
      },
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31
      }
    },
    {
      "token": "credit-product-token-366b",
      "card_product_tokens": [
        "card-product-token-d308"
      ],
      "name": "My Platinum Credit Product",
      "description": "Platinum consumer product",
      "status": "ARCHIVED",
      "created_time": "2023-10-26T14:43:11.187Z",
      "updated_time": "2023-10-26T16:45:19.907Z",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 200,
        "max": 20000
      },
      "usage": [
        "PURCHASE"
      ],
      "min_payment_percentage": 2,
      "min_payment_flat_amount": 22,
      "min_payment_calculation": {
        "include_past_due_amount": false,
        "include_overlimit_amount": false,
        "min_payment_percentage": {
          "percentage_of_balance": 2,
          "include_interest_charged": false,
          "include_fees_charged": []
        },
        "min_payment_flat_amount": 22
      },
      "payment_allocation_order": [
        "INTEREST",
        "FEES",
        "PRINCIPAL"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "LATE_PAYMENT_FEE",
          "ANNUAL_FEE",
          "CASH_BACK_STATEMENT_CREDIT"
        ]
      },
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31
      }
    },
    {
      "token": "credit-product-token-4373",
      "parent_product_token": "credit-product-token-366b",
      "card_product_tokens": [
        "card-product-token-d308",
        "card-product-token-cc10"
      ],
      "name": "My Platinum Credit Product",
      "description": "Platinum consumer product",
      "status": "REJECTED",
      "created_time": "2023-10-26T14:44:54.770Z",
      "updated_time": "2023-10-26T14:45:26.015Z",
      "classification": "CONSUMER",
      "product_type": "REVOLVING",
      "product_sub_type": "CREDIT_CARD",
      "currency_code": "USD",
      "credit_line": {
        "min": 200,
        "max": 20000
      },
      "usage": [
        "PURCHASE"
      ],
      "min_payment_percentage": 2,
      "min_payment_flat_amount": 22,
      "min_payment_calculation": {
        "include_past_due_amount": false,
        "include_overlimit_amount": false,
        "min_payment_percentage": {
          "percentage_of_balance": 2,
          "include_interest_charged": false,
          "include_fees_charged": []
        },
        "min_payment_flat_amount": 22
      },
      "payment_allocation_order": [
        "INTEREST",
        "FEES",
        "PRINCIPAL"
      ],
      "interest_calculation": {
        "method": "AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS",
        "day_count": "ACTUAL",
        "interest_application": [
          "PRINCIPAL",
          "FEES"
        ],
        "minimum_interest": 1,
        "interest_on_grace_reactivation": "ACCRUE_FULL_CYCLE",
        "grace_days_application": "NEXT_CYCLE_DATE",
        "exclude_tran_types": [
          "LATE_PAYMENT_FEE",
          "ANNUAL_FEE",
          "CASH_BACK_STATEMENT_CREDIT"
        ]
      },
      "config": {
        "billing_cycle_day": 1,
        "payment_due_day": 31
      }
    }
  ]
}

​Create credit product

​Request body

​Sample request body

​Response body

​Sample response body

​List credit products

​URL query parameters

​Response body

​Sample response body

​Retrieve credit product

​URL path parameters

​Response body

​Sample response body

​Retrieve credit product lineage

​URL path parameters

​URL query parameters

​Response body

​Sample response body

Create credit product

Request body

Sample request body

Response body

Sample response body

List credit products

URL query parameters

Response body

Sample response body

Retrieve credit product

URL path parameters

Response body

Sample response body

Retrieve credit product lineage

URL path parameters

URL query parameters

Response body

Sample response body