> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Create substatus > Create a new substatus for a credit account, user, or business. POST/credit/substatuses Create a new substatus for a credit account, user, or business. ## Request body | Fields | Description | | - | - | | token string Optional | Unique identifier of the credit substatus. **Allowable Values:** 36 char max | | substatus string Required | Type of substatus. - `HARDSHIP`, `FRAUD`, `CEASE_AND_DESIST`, `BLOCKED`, and `OPT_OUT` can only be applied to the `ACCOUNT` resource type. - `MLA`, `SCRA` and `DECEASED` can only be applied to the `USER` resource type. - `POWER_OF_ATTORNEY` and `BANKRUPTCY` can be applied to either the `USER` or the `BUSINESS` resource type. **Allowable Values:** 1–36 chars `HARDSHIP`, `FRAUD`, `MLA`, `SCRA`, `DECEASED`, `POWER_OF_ATTORNEY`, `CEASE_AND_DESIST`, `OPT_OUT`, `BANKRUPTCY`, `BLOCKED` | | resource\_type string Required | Type of resource to which the substatus can be applied. **Allowable Values:** `USER`, `ACCOUNT`, `BUSINESS` | | resource\_token string Required | Unique identifier of the user or account or business for which you want to create a substatus. - Send a `GET` request to `/credit/accounts` to retrieve existing account tokens. - Send a `GET` request to `/users` to retrieve existing user tokens. - Send a `GET` request to `/business` to retrieve existing business tokens. **Allowable Values:** 1–36 chars | | attributes array of objects Optional | Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA` or `POWER_OF_ATTORNEY`, then attributes are required. **Allowable Values:** `key`, `value` | | attributes\[].**key** string Optional | The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - **chapter:** If the substatus is `BANKRUPTCY`, then the chapter attribute is required. `CHAPTER_9` is not applicable to a `USER` resource type. `CHAPTER_13` is not applicable to a `BUSINESS` resource type. - **military\_start\_date:** If the substatus is SCRA, then the military\_start\_date attribute is required. The 6% APR override is applied from the date and time of account opening and continues for the life of the account. It does not end when the substatus is deactivated, and remains in effect until the account is closed. - **end\_date:** If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is applicable. This specifies the date when the power of attorney document is no longer valid. - **poa\_details:** If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - **agent\_name:** If the substatus is `POWER_OF_ATTORNEY`, then the agent name is required. This attribute specifies the name of the agent with Power of Attorney for the user. - **agent\_address:** If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is required. This attribute specifies the address of the agent with Power of Attorney for the user. - **agent\_id\_type:** If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is required. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - **agent\_id\_value:** If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is required. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - **agent\_id\_expiration\_date:** If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is required. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. **Allowable Values:** - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date` | | attributes\[].**value** string Optional | The value of the attribute. **Allowable Values:** - **chapter:**`CHAPTER_7`, `CHAPTER_9`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - **military\_start\_date:** yyyy-MM-ddThh:mm:ssZ format - **end\_date:** yyyy-MM-ddThh:mm:ssZ format - **poa\_details:** string (255 char max) - **agent\_name:** string (255 char max) - **agent\_address:** string (255 char max) - **agent\_id\_type:**`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - **agent\_id\_value:** string (255 char max) - **agent\_id\_expiration\_date:** yyyy-MM-ddThh:mm:ssZ format | | events array of objects Required | List of events related to the substatus. **Allowable Values:** Valid array of one or more substatus events | | events\[].**state** string Required | Initial state of the substatus. - `ACTIVE` - Required if the substatus is `HARDSHIP`, `MLA`, `SCRA`, `DECEASED`, `BLOCKED`, `CEASE_AND_DESIST`, `OPT_OUT`, or `POWER_OF_ATTORNEY`. - `BANKRUPTCY_FILED` - Required if the substatus is `BANKRUPTCY`. - `DECEASED_REPORTED` - Required if the substatus is `DECEASED`. - `FRAUD_REPORTED` - Required if the substatus is `FRAUD`. **Allowable Values:** `ACTIVE`, `BANKRUPTCY_FILED`, `DECEASED_REPORTED`, `FRAUD_REPORTED` | | events\[].**channel** string Optional | The mechanism by which the state of the substatus was applied. - `ADMIN` - Indicates that the state of the substatus was added through the Marqeta Dashboard. - `API` - Indicates that you initiated an update of the substatus through the Core API. Use this value when creating a substatus. - `FRAUD` - Indicates that either Marqeta or the card network has determined that the account is fraudulent. - `SYSTEM` - Indicates that Marqeta initiated the state of the substatus. For example, Marqeta determined during application decisioning that the applicant is `MLA`. **Allowable Values:** `ADMIN`, `API`, `FRAUD`, `SYSTEM` **Default value:** `API` | | events\[].**reason** string Optional | Reason for applying a state designation to the substatus. **Allowable Values:** 255 char max | | events\[].**effective\_date** datetime Optional | Date and time when the state of the substatus went into effect, in UTC. The effective date must be in the past. If no value is set, then the effective date and time will be the current time. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | ## Sample request body ```json JSON lines wrap theme={null} { "resource_type": "USER", "resource_token": "my_user_token", "substatus": "SCRA", "attributes": [ { "key": "military_start_date", "value": "2024-04-02T11:23:23Z" } ], "events": [ { "state": "ACTIVE", "channel": "ADMIN", "reason": "Documents submitted and verified" } ] } ``` ## Response body | Fields | Description | | - | - | | token string Returned | Unique identifier of the credit substatus. **Allowable Values:** 36 char max | | resource\_type string Returned | Type of resource to which the substatus is applied. **Allowable Values:** `ACCOUNT`, `USER`, `BUSINESS` | | resource\_token string Returned | Unique identifier of the resource. **Allowable Values:** 36 char max | | substatus string Returned | Type of substatus. **Allowable Values:** 36 char max - `HARDSHIP` - `FRAUD` - `MLA` - `SCRA` - `DECEASED` - `BANKRUPTCY` - `POWER_OF_ATTORNEY` - `BLOCKED` - `CEASE_AND_DESIST` - `OPT_OUT` | | state string Returned | Current state of the substatus. **Allowable Values:** `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE` | | is\_active boolean Returned | Denotes whether a substatus is active. **Allowable Values:** `true`, `false` | | attributes array of objects Conditionally returned | Additional dynamic attributes related to the substatus. If the substatus is `BANKRUPTCY`, `SCRA`, or `POWER_OF_ATTORNEY`, then attributes are present. **Allowable Values:** `key`, `value` | | attributes\[].**key** string Conditionally returned | The name of the attribute. Marqeta provides several preconfigured attributes, as described in the following list. - **chapter:** If the substatus is `BANKRUPTCY`, then this value defines the chapter. - **military\_start\_date:** If the substatus is `SCRA`, then this value defines the military start date. - **end\_date:** If the substatus is `POWER_OF_ATTORNEY`, then the end date attribute is present. This specifies the date when the power of attorney document is no longer valid. - **poa\_details:** If the substatus is `POWER_OF_ATTORNEY`, then the Power of Attorney details attribute is applicable. This attribute specifies the range of actions that the agent with Power of Attorney is able to perform on the account. By default the range is `UNRESTRICTED`. - **agent\_name:** If the substatus is `POWER_OF_ATTORNEY`, then the agent name is present. This attribute specifies the name of the agent with Power of Attorney for the user. - **agent\_address:** If the substatus is `POWER_OF_ATTORNEY`, then the agent address attribute is present. This attribute specifies the address of the agent with Power of Attorney for the user. - **agent\_id\_type:** If the substatus is `POWER_OF_ATTORNEY`, then the agent identification type attribute is present. This specifies the type of the identification method used to identify the agent with Power of Attorney for the user. - **agent\_id\_value:** If the substatus is `POWER_OF_ATTORNEY`, then the agent identification value attribute is present. This attribute specifies the value of the identification method used to identify the agent with Power of Attorney for the user. - **agent\_id\_expiration\_date:** If the substatus is `POWER_OF_ATTORNEY`, then the attribute for the Power of Attorney identification expiration date attribute is present. This attribute specifies the expiration date of the identification method used to identify the agent with Power of Attorney for the user. **Allowable Values:** - `chapter` - `military_start_date` - `end_date` - `poa_details` - `agent_name` - `agent_address` - `agent_id_type` - `agent_id_value` - `agent_id_expiration_date` | | attributes\[].**value** string Conditionally returned | The value of the attribute. **Allowable Values:** - **chapter:**`CHAPTER_7`, `CHAPTER_11`, `CHAPTER_12`, `CHAPTER_13` - **military\_start\_date:** yyyy-MM-ddThh:mm:ssZ format - **end\_date:** yyyy-MM-ddThh:mm:ssZ format - **poa\_details:** string (255 char max) - **agent\_name:** string (255 char max) - **agent\_address:** string (255 char max) - **agent\_id\_type:**`SSN`, `TIN`, `SIN`, `NIN`, `PASSPORT_NUMBER`, `DRIVERS_LICENSE`, `BUSINESS_LICENSE`, `BUSINESS_NUMBER`, `BUSINESS_TAX_ID`, `TAXPAYER_REFERENCE` - **agent\_id\_value:** string (255 char max) - **agent\_id\_expiration\_date:** yyyy-MM-ddThh:mm:ssZ format | | created\_time datetime Conditionally returned | Date and time when the substatus 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 substatus was last updated on Marqeta's credit platform, in UTC. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | events array of objects Conditionally returned | List of events related to the substatus. **Allowable Values:** Valid array of one or more substatus events | | events\[].**state** string Returned | The state of the event. **Allowable Values:** `ACTIVE`, `INACTIVE`, `DECEASED_REPORTED`, `DECEASED_CONFIRMED`, `FRAUD_REPORTED`, `FRAUD_CONFIRMED`, `BANKRUPTCY_FILED`, `BANKRUPTCY_WITHDRAWN`, `BANKRUPTCY_REAFFIRMED`, `BANKRUPTCY_REAFFIRM_RESCINDED`, `BANKRUPTCY_DISCHARGED`, `BANKRUPTCY_DISMISSED`, `BANKRUPTCY_FILED_INACTIVE`, `BANKRUPTCY_WITHDRAWN_INACTIVE`, `BANKRUPTCY_REAFFIRMED_INACTIVE`, `BANKRUPTCY_REAFFIRM_RESCINDED_INACTIVE`, `BANKRUPTCY_DISCHARGED_INACTIVE`, `BANKRUPTCY_DISMISSED_INACTIVE` | | events\[].**channel** string Returned | The channel through which the event occurred. **Allowable Values:** `ADMIN`, `API`, `FRAUD`, `SYSTEM` | | events\[].**reason** string Conditionally returned | Reason for the event. **Allowable Values:** 255 char max | | events\[].**effective\_date** datetime Returned | Effective date of the event, in UTC. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | | events\[].**created\_time** datetime Returned | Creation time of the event. **Allowable Values:** Format: yyyy-MM-ddThh:mm:ssZ | ## Sample response body ```json JSON expandable lines wrap theme={null} { "token": "substatus_token", "resource_type": "USER", "resource_token": "my_user_token", "substatus": "SCRA", "state": "ACTIVE", "is_active": true, "attributes": [ { "key": "military_start_date", "value": "2024-04-02T11:23:23Z" } ], "created_time": "2024-05-17T21:50:13.729Z", "updated_time": "2024-05-17T21:51:39.774Z", "events": [ { "state": "ACTIVE", "channel": "ADMIN", "reason": "Documents submitted and verified", "effective_date": "2024-05-17T21:50:13.738Z", "created_time": "2024-05-17T21:50:13.740Z" } ] } ``` ## Related topics - [Credit Substatuses Overview](https://www.marqeta.com/docs/core-api/credit-substatuses.md) - [Retrieve substatus](https://www.marqeta.com/docs/core-api/credit-substatuses/retrieve-substatus.md) - [Update substatus](https://www.marqeta.com/docs/core-api/credit-substatuses/update-substatus.md) - [Event Types](https://www.marqeta.com/docs/core-api/event-types.md) - [About Credit Accounts](https://www.marqeta.com/docs/developer-guides/about-credit-accounts.md)