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Credit substatuses can be applied to credit accounts or credit account holders. Substatuses should be applied only after verification with Customer Support and after the cardholder request for the substatus designation has been accepted. Substatuses define specific circumstances, such as bankruptcy, hardship or fraud. They also affect account behavior or activity, including interest accrual, authorization requests, and account termination. Substatus downstream account actions are not always reversible for the cardholder, which means that substatuses should be applied with caution. Use the substatus endpoints to apply or remove a substatus for a credit account or user. Applying a substatus causes immediate downstream changes to the account. For additional information about substatuses, see Account substatuses or Account holder substatuses in the About Credit Accounts guide.
Note
The substatus SCRA stands for “Servicemembers Civilian Relief Act.” The substatus MLA stands for “Military Lending Act.”
For more information about receiving webhook notifications when account transition events occur, see Credit substatus events on the Event Types page.
Important
If you are a Managed by Marqeta customer, a Marqeta customer service representative will apply the appropriate substatuses.

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