{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "title": "LineOfCreditAccount",
  "description": "Full details of a line of credit account. The `accountType` field for line of credit accounts may be set to any of the [account types](#line-of-credit-account-types) listed below.\n\nPlaid may consume all the parameters returned by the `GET /accounts` endpoint:\n\n* `availableCredit`\n* `creditLine`\n* `currentBalance`\n\nAdditionally, for the `CREDITCARD` accountType, Plaid consumes the previous information plus the following for its liabilities product:\n\n* `advancesApr`\n* `lastPaymentAmount`\n* `lastPaymentDate`\n* `lastStmtBalance`\n* `lastStmtDate`\n* `minimumPaymentAmount`\n* `nextPaymentDate`\n* `purchasesApr`\nPlaid expects a decimal amount with two places (to represent fractional values of the base currency) for all monetary amounts. For example, `\"currentBalance\": 192.00`\n",
  "type": "object",
  "allOf": [
    {
      "$ref": "#/components/schemas/LineOfCreditAccountDescriptor"
    },
    {
      "type": "object",
      "properties": {
        "creditLine": {
          "type": "number",
          "example": 10000.0,
          "description": "Credit limit\n"
        },
        "availableCredit": {
          "type": "number",
          "example": 8302.73,
          "description": "Available credit. Required for all accountTypes except for `CHARGE`\n"
        },
        "nextPaymentAmount": {
          "type": "number",
          "example": 1832.11,
          "description": "Amount of next payment.\nMay differ from minimumPaymentAmount if the customer pays more than their minimum or out of cycle\n"
        },
        "nextPaymentDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Due date of next payment.\nMay differ from statementAmountDueDate if the customer pays out of cycle\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "principalBalance": {
          "type": "number",
          "example": 132.28,
          "description": "Principal balance\n"
        },
        "currentBalance": {
          "type": "number",
          "example": 1722.81,
          "description": "Current balance of line of credit\n"
        },
        "minimumPaymentAmount": {
          "type": "number",
          "example": 190.32,
          "description": "Minimum payment amount from last statement balance,\nwhich is due at `statementAmountDueDate`\n"
        },
        "lastPaymentAmount": {
          "type": "number",
          "example": 2852.91,
          "description": "Amount of last payment\n"
        },
        "lastPaymentDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Last payment date\n\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "pastDueAmount": {
          "type": "number",
          "example": 0,
          "description": "Amount owed that the account holder failed to pay on the due date\n"
        },
        "lastStmtBalance": {
          "type": "number",
          "example": 5393.81,
          "description": "Final balance amount at end of last statement\n"
        },
        "lastStmtDate": {
          "$ref": "#/components/schemas/DateString",
          "description": "Last statement date\n\nISO 8601 full-date in format 'YYYY-MM-DD' according\nto [IETF RFC 3339](https://datatracker.ietf.org/doc/html/rfc3339.html#section-5.6)\n"
        },
        "purchasesApr": {
          "type": "number",
          "example": 0,
          "description": "Annual percentage rate for purchases\n"
        },
        "advancesApr": {
          "type": "number",
          "example": 0,
          "description": "Annual percentage rate for cash advances\n"
        }
      },
      "required": [
        "currentBalance"
      ]
    }
  ]
}