openapi: 3.0.3 info: contact: email: support@marqeta.com name: Marqeta description: Marqeta's Core API endpoints, conveniently annotated to enable code generation (including SDKs), test cases, and documentation. Currently in beta. termsOfService: https://www.marqeta.com/api-terms title: Core accepted countries Credit Accounts API version: 3.0.39 servers: - url: /v3 security: - mqAppAndAccessToken: [] tags: - description: '// Conditional snippet for beta or internal content include::../../maturity-admonition-banner.adoc[] 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 <>. An account''s attributes, such as the credit limit, APR, and fees, are inherited from the <> on its associated bundle. For more on accounts, see <>.' name: Credit Accounts paths: /accounts: get: description: 'Retrieve an array of credit accounts. This endpoint supports <>.' operationId: listAccounts parameters: - description: Unique identifier of the credit card associated with the account. explode: true in: query name: card_token required: false schema: type: string x-allowableValues: Existing card token style: form - description: Number of credit account resources to retrieve. explode: true in: query name: count required: false schema: default: 5 maximum: 100 minimum: 1 type: integer style: form - description: Sort order index of the first resource in the returned array. explode: true in: query name: start_index required: false schema: default: 0 minimum: 0 type: integer style: form - description: '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`.' explode: true in: query name: sort_by required: false schema: default: -lastModifiedTime enum: - lastModifiedTime - -lastModifiedTime type: string style: form - description: If `true`, returns a lightweight response without any balances and usages. explode: true in: query name: light_response required: false schema: default: false type: boolean x-allowableValues: '`true`, `false`' style: form - description: 'Unique identifier of an existing secured account. This field is required when policy product subtype is `SECURED`.' explode: true in: query name: secured_account_token required: false schema: type: string x-allowableValues: Existing secured account token style: form - description: Unique identifier of the user by which to filter accounts. explode: true in: query name: user_token required: false schema: type: string x-allowableValues: Existing user token style: form responses: '200': content: application/json: example: count: 1 data: - activation_time: 2025-08-26 22:55:52.302000+00:00 available_credit: 3232 business_token: business_token123 config: billing_cycle_day: 1 card_level: TRADITIONAL e_disclosure_active: true fees: - active: true created_date: 2025-08-26 22:55:52.124000+00:00 schedule: - effective_date: 2025-08-26 22:55:52.124000+00:00 method: FLAT value: 25 type: LATE_PAYMENT_FEE updated_date: 2025-08-26 22:55:52.124000+00:00 - active: true created_date: 2025-09-03 19:06:27.946000+00:00 schedule: - effective_date: 2025-09-03 19:06:27.946000+00:00 method: FLAT value: 10 type: RETURNED_PAYMENT_FEE updated_date: 2025-09-03 19:06:27.946000+00:00 - active: true created_date: 2025-09-03 19:06:27.946000+00:00 schedule: - method: PERCENTAGE value: 12.5 type: FOREIGN_TRANSACTION_FEE updated_date: 2025-09-03 19:06:27.946000+00:00 payment_due_day: 31 payment_holds: ach_hold_days: 0 check_hold_days: 0 rewards: [] created_time: 2025-08-26 22:55:52.100000+00:00 credit_limit: 6000 credit_product_token: credit_product_token1234 currency_code: USD current_balance: 0 description: Consumer credit account for John Jacob external_offer_id: external-offer-11 latest_statement_cycle_type: TRANSACTING max_apr_schedules: [] name: John Jacob remaining_min_payment_due: 25 remaining_statement_balance: 2768 status: ACTIVE substatuses: [] token: credit_account_token1234 type: CONSUMER updated_time: 2025-08-26 22:55:52.304000+00:00 usages: - aprs: - active: true created_date: 2025-08-26 22:55:52.106000+00:00 schedule: - effective_date: 2025-08-26 22:55:52.106000+00:00 value: 14.99 type: GO_TO updated_date: 2025-08-26 22:55:52.106000+00:00 fees: [] type: PURCHASE user_substatuses: [] user_token: user_token1234 end_index: 4 is_more: true start_index: 0 schema: $ref: '#/components/schemas/AccountsPage' description: Expected response to a valid request default: content: application/json: schema: $ref: '#/components/schemas/Error' description: Unexpected error security: - zionToken: [] summary: List accounts tags: - Credit Accounts /accounts/{account_token}: get: description: Retrieve a credit account. operationId: retrieveAccount parameters: - description: Display the effective fee schedule only. explode: true in: query name: effective_fee_schedule_only required: false schema: default: false type: boolean x-allowableValues: '`true`, `false`' style: form - description: 'Unique identifier of the credit account to retrieve. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.' explode: false in: path name: account_token required: true schema: type: string x-allowableValues: Existing account token style: simple - description: If true, returns a lightweight response without any balances and usages. explode: true in: query name: light_response required: false schema: default: false type: boolean x-allowableValues: '`true`, `false`' style: form responses: '200': content: application/json: example: activation_time: 2021-08-26 22:55:52.302000+00:00 available_credit: 3232 config: billing_cycle_day: 1 card_level: TRADITIONAL e_disclosure_active: true fees: - active: true created_date: 2021-08-26 22:55:52.124000+00:00 schedule: - effective_date: 2021-08-26 22:55:52.124000+00:00 method: FLAT value: 25 type: LATE_PAYMENT_FEE updated_date: 2021-08-26 22:55:52.124000+00:00 - active: true created_date: 2021-09-03 19:06:27.946000+00:00 schedule: - effective_date: 2021-09-03 19:06:27.946000+00:00 method: FLAT value: 10 type: RETURNED_PAYMENT_FEE updated_date: 2021-09-03 19:06:27.946000+00:00 - active: true created_date: 2021-09-03 19:06:27.946000+00:00 schedule: - method: PERCENTAGE value: 12.5 type: FOREIGN_TRANSACTION_FEE updated_date: 2021-09-03 19:06:27.946000+00:00 payment_due_day: 31 payment_holds: ach_hold_days: 0 check_hold_days: 0 rewards: [] created_time: 2021-08-26 22:55:52.100000+00:00 credit_limit: 6000 credit_product_token: credit_product_token1234 currency_code: USD current_balance: 0 description: Consumer credit account for John Jacob external_offer_id: external-offer-11 latest_statement_cycle_type: TRANSACTING name: John Jacob remaining_min_payment_due: 25 remaining_statement_balance: 2768 status: ACTIVE token: credit_account_token1234 type: CONSUMER updated_time: 2021-08-26 22:55:52.304000+00:00 usages: - aprs: - active: true created_date: 2021-08-26 22:55:52.106000+00:00 schedule: - effective_date: 2021-08-26 22:55:52.106000+00:00 value: 14.99 type: GO_TO updated_date: 2021-08-26 22:55:52.106000+00:00 fees: [] type: PURCHASE user_token: user_token1234 schema: $ref: '#/components/schemas/AccountResponse' description: A JSON object containing account information default: content: application/json: schema: $ref: '#/components/schemas/Error' description: Unexpected error security: - zionToken: [] summary: Retrieve account tags: - Credit Accounts put: description: Update a credit account. operationId: updateAccount parameters: - description: 'Unique identifier of the credit account to update. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens.' explode: false in: path name: account_token required: true schema: type: string x-allowableValues: Existing account token style: simple requestBody: content: application/json: example: config: payment_holds: ach_hold_days: 3 check_hold_days: 5 credit_limit: value: 6000 latest_statement_cycle_type: TRANSACTING schema: $ref: '#/components/schemas/AccountUpdateReq' required: true responses: '200': content: application/json: example: activation_time: 2021-08-26 22:55:52.302000+00:00 available_credit: 3232 config: billing_cycle_day: 1 card_level: TRADITIONAL e_disclosure_active: true fees: - active: true created_date: 2021-08-26 22:55:52.124000+00:00 schedule: - method: FLAT value: 25 type: LATE_PAYMENT_FEE updated_date: 2021-08-26 22:55:52.124000+00:00 - active: true created_date: 2021-09-03 19:06:27.946000+00:00 schedule: - effective_date: 2021-09-03 19:06:27.946000+00:00 method: FLAT value: 10 type: RETURNED_PAYMENT_FEE updated_date: 2021-09-03 19:06:27.946000+00:00 - active: true created_date: 2021-09-03 19:06:27.946000+00:00 schedule: - method: PERCENTAGE value: 12.5 type: FOREIGN_TRANSACTION_FEE updated_date: 2021-09-03 19:06:27.946000+00:00 payment_due_day: 31 payment_holds: ach_hold_days: 3 check_hold_days: 5 rewards: [] created_time: 2021-08-26 22:55:52.100000+00:00 credit_limit: 6000 credit_product_token: credit_product_token1234 currency_code: USD current_balance: 0 description: Consumer credit account for John Jacob external_offer_id: external-offer-11 latest_statement_cycle_type: TRANSACTING max_apr_schedules: [] name: John Jacob remaining_min_payment_due: 25 remaining_statement_balance: 2768 status: ACTIVE substatuses: [] token: credit_account_token1234 type: CONSUMER updated_time: 2021-08-26 22:55:52.304000+00:00 usages: - aprs: - active: true created_date: 2021-08-26 22:55:52.106000+00:00 schedule: - effective_date: 2021-08-26 22:55:52.106000+00:00 value: 14.99 type: GO_TO updated_date: 2021-08-26 22:55:52.106000+00:00 fees: [] type: PURCHASE user_substatuses: [] user_token: user_token1234 schema: $ref: '#/components/schemas/AccountResponse' description: A JSON object containing account information. default: content: application/json: schema: $ref: '#/components/schemas/Error' description: Unexpected error security: - zionToken: [] summary: Update account tags: - Credit Accounts components: schemas: AccountAprType: description: '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.' enum: - GO_TO - PROMOTIONAL type: string Method: description: 'Method, either a flat amount or a percentage. *NOTE:* Only `FLAT` is currently supported.' enum: - PERCENTAGE - FLAT type: string AccountReward: description: TODO Add description here properties: method: $ref: '#/components/schemas/Method' type: $ref: '#/components/schemas/RewardType' value: description: Value of the reward, either a flat reward amount or percentage value. maximum: 100 minimum: 0 type: number required: - method - type type: object AprScheduleEntryResponse: properties: apply_next_cycle: default: false description: Whether the APR is ignored for the current billing cycle and applied on the next. type: boolean effective_date: description: Date and time when the APR goes into effect, in UTC. format: date-time type: string margin: description: 'Number of percentage points added to the prime rate, used to calculate a variable value. Used for variable values only.' format: float type: number type: default: FIXED description: Indicates whether the APR value is fixed or variable. enum: - FIXED - VARIABLE type: string value: description: '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.' maximum: 100 minimum: 0 type: number required: - value type: object AccountFee: description: Contains fee configurations on a credit account. properties: method: $ref: '#/components/schemas/Method' type: $ref: '#/components/schemas/FeeType' value: description: Value of the fee, either a flat fee amount or percentage value. maximum: 9999.99 minimum: 0 type: number required: - method - type type: object AccountUpdateReq: properties: apr_upper_limit: description: Maximum APR percentage value that can be applied to the credit account. maximum: 100 minimum: 0 type: number config: $ref: '#/components/schemas/AccountConfigUpdateReq' credit_limit: description: Contains information on the credit limit. properties: value: description: Maximum balance the credit account can carry. exclusiveMinimum: true maximum: 9.9999999999999E11 minimum: 0 type: number required: - value type: object latest_statement_cycle_type: $ref: '#/components/schemas/CycleType' usages: description: '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`.' items: $ref: '#/components/schemas/AccountUsageUpdateReq' type: array user_token: description: 'User token tied to the credit account. You can only update the value of the user token for business accounts.' type: string type: object AprScheduleUpdateReq: properties: schedule: description: 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. items: $ref: '#/components/schemas/AprScheduleEntryUpdateReq' type: array type: $ref: '#/components/schemas/AccountAprType' required: - schedule - type type: object Error: properties: code: type: integer message: type: string type: object AccountResponse: description: Contains information on a credit account. properties: activation_time: description: Date and time when the credit account was activated on Marqeta's credit platform, in UTC. format: date-time type: string apr_upper_limit: description: Maximum APR percentage value that can be applied to the credit account. maximum: 100 minimum: 0 type: number available_credit: description: 'Amount of credit available for use on the credit account. Optional for light responses.' type: number bundle_token: description: Unique identifier of the associated bundle product. type: string business_substatuses: description: Substatuses of the business under the credit account. items: description: Substatus of the business under the credit account. type: string type: array business_token: description: 'Unique identifier of the parent business program. Either a `user_token` or `business_token` is returned, not both.' type: string config: $ref: '#/components/schemas/AccountConfigResponse' created_time: description: Date and time when the credit account was created on Marqeta's credit platform, in UTC. format: date-time type: string credit_limit: description: 'Maximum balance the credit account can carry. Optional for light responses.' exclusiveMinimum: true maximum: 1000000 minimum: 0 type: number credit_product_token: description: Unique identifier of the associated credit product. type: string currency_code: $ref: '#/components/schemas/CurrencyCode' current_balance: description: 'Current purchase balance on the credit account. Optional for light responses.' type: number description: description: Description for the credit account. type: string external_offer_id: description: Unique identifier you provide of the associated external credit offer. type: string latest_statement_cycle_type: $ref: '#/components/schemas/CycleType' max_apr_schedules: description: '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.' items: $ref: '#/components/schemas/MaxAPRSchedulesResponse' minItems: 0 type: array name: description: Name of the credit account. type: string remaining_min_payment_due: description: '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.' type: number remaining_statement_balance: description: '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.' type: number secured_account_token: description: Unique identifier of the secured account. maxLength: 36 type: string status: $ref: '#/components/schemas/AccountStatusEnum' substatuses: description: Substatuses of the credit account. items: description: Substatus of the credit account. type: string type: array token: description: Unique identifier of the credit account. maxLength: 36 type: string type: $ref: '#/components/schemas/AccountType' updated_time: description: Date and time when the credit account was last updated on Marqeta's credit platform, in UTC. format: date-time type: string usages: description: '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.' items: $ref: '#/components/schemas/AccountUsageResponse' type: array user_substatuses: description: Substatuses of the users under the credit account. items: description: Substatus of the user under the credit account. type: string type: array user_token: description: '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.' type: string required: - config - created_time - currency_code - status - token - type - updated_time type: object AccountConfigMinPayment: description: Contains configurations for a minimum payment override on a credit account, which overrides the minimum payment configurations on the associated credit product. properties: active: description: Whether the minimum payment override is currently active. type: boolean min_payment_flat_amount: description: Flat amount of the minimum payment override. minimum: 0 type: number min_payment_percentage: description: Percentage of the total statement balance used to calculate the minimum payment override amount. minimum: 0 type: number override_end_time: description: Date and time when the minimum payment override ends, in UTC. format: date-time type: string override_start_time: description: Date and time when the minimum payment override starts, in UTC. format: date-time type: string type: object CycleType: description: '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.' enum: - BEGINNING_REVOLVING - REVOLVING - END_REVOLVING - TRANSACTING type: string AccountUsageUpdateReq: description: Contains information on how a credit account is used and what types of balances are permitted on the account. properties: aprs: description: Contains one or more annual percentage rates (APRs) associated with the credit account. items: $ref: '#/components/schemas/AprScheduleUpdateReq' type: array type: $ref: '#/components/schemas/BalanceType' required: - apr_type - apr_value - type type: object ConfigFeeScheduleEntry: description: Contains information on a fee schedule. properties: effective_date: description: Date and time when the fee goes into effect, in UTC. format: date-time type: string method: $ref: '#/components/schemas/FeeMethod' value: description: Amount of the fee. maximum: 9999.99 minimum: 0 type: number required: - method - value type: object AccountProductFeeType: description: Type of fee. enum: - LATE_PAYMENT_FEE - RETURNED_PAYMENT_FEE - MONTHLY_FEE - ANNUAL_FEE - FOREIGN_TRANSACTION_FEE type: string AccountConfigUpdateReq: description: Contains information relevant for updating configurations for electronic disclosures, fees, payment holds, and minimum payment. properties: e_disclosure_active: default: false description: A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically. type: boolean fees: description: Contains one or more fees associated with the credit account. items: $ref: '#/components/schemas/ConfigFeeScheduleReq' type: array min_payment: $ref: '#/components/schemas/AccountConfigMinPayment' payment_due_interval: description: '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.' minimum: -1 type: integer payment_holds: $ref: '#/components/schemas/AccountConfigPaymentHolds' type: object AccountsPage: description: Return paginated accounts. properties: count: description: Number of resources returned. type: integer data: description: Contains one or more credit accounts. items: $ref: '#/components/schemas/AccountResponse' type: array end_index: description: Sort order index of the first resource in the returned array. type: integer is_more: description: A value of `true` indicates that more unreturned resources exist. type: boolean start_index: description: Sort order index of the first resource in the returned array. type: integer required: - count - data - end_index - is_more - start_index type: object AccountType: description: Type of credit account. enum: - CONSUMER - BUSINESS type: string MaxAPRSchedulesResponse: properties: end_date: description: Date and time when the override APR ends, in UTC. format: date-time type: string reason: description: Reason for the override APR. enum: - SCRA - MLA - HARDSHIP type: string start_date: description: Date and time when the override APR goes into effect, in UTC. format: date-time type: string value: description: '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.' maximum: 100 minimum: 0 type: number required: - reason - start_date - value type: object FeeType: description: '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.' enum: - 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 type: string BalanceType: description: 'Type of balance. * `PURCHASE` - The balance on purchases.' enum: - PURCHASE type: string ConfigFeeScheduleResponse: description: Contains information returned when configuring fees. properties: active: description: Whether the fee is active. type: boolean created_date: description: Date and time when the fee was created on Marqeta's credit platform, in UTC. format: date-time type: string schedule: description: Contains one or more fee schedules. items: $ref: '#/components/schemas/ConfigFeeScheduleEntry' type: array type: $ref: '#/components/schemas/AccountProductFeeType' updated_date: description: Date and time when the fee was last updated on Marqeta's credit platform, in UTC. format: date-time type: string type: object CurrencyCode: default: USD description: Valid three-digit link:https://www.iso.org/iso-4217-currency-codes.html[ISO 4217 currency code, window="_blank"]. enum: - USD type: string RewardType: description: Type of reward. enum: - AUTO_CASH_BACK - CASH_BACK - STATEMENT_CREDIT type: string AprScheduleEntryUpdateReq: properties: apply_next_cycle: default: false description: Whether the APR can be ignored for the current billing cycle and applied on the next. type: boolean effective_date: description: '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.' format: date-time type: string margin: description: 'Number of percentage points added to the prime rate, used to calculate a variable value. Used for variable values only.' format: float type: number type: default: FIXED description: Indicates whether the APR value is fixed or variable. enum: - FIXED - VARIABLE type: string value: description: '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.' maximum: 100 minimum: 0 type: number required: - value type: object AccountStatusEnum: description: 'Status of the credit account. *NOTE* `CHARGE_OFF` is not an allowable value for `original_status`.' enum: - UNACTIVATED - ACTIVE - SUSPENDED - TERMINATED - CHARGE_OFF type: string AccountConfigPaymentHolds: description: Contains configurations for a payment hold. properties: ach_hold_days: description: Number of days to hold an ACH payment. maximum: 30 minimum: 0 type: integer check_hold_days: description: Number of days to hold a check payment. maximum: 30 minimum: 0 type: integer type: object FeeMethod: description: Method used to calculate the fee value. enum: - FLAT - PERCENTAGE type: string AccountUsageResponse: description: Contains information on how a credit account is used and what types of balances are permitted on the account. properties: aprs: description: Contains one or more APRs associated with the type of balance on the credit account. items: $ref: '#/components/schemas/AprScheduleResponse' type: array fees: description: Contains one or more fees associated with the usage type. items: $ref: '#/components/schemas/AccountFee' type: array type: $ref: '#/components/schemas/BalanceType' required: - aprs - type type: object ConfigFeeScheduleReq: description: Contains information relevant to configuring fees. properties: schedule: description: Contains one or more fee schedules. items: $ref: '#/components/schemas/ConfigFeeScheduleEntry' type: array type: $ref: '#/components/schemas/AccountProductFeeType' required: - schedule - type type: object AccountConfigResponse: description: Contains information returned when configuring an account's billing cycle day, payment due day, fees, and more. properties: billing_cycle_day: description: 'Day of the month when the billing cycle starts. If an override value is not provided, the default value is derived from the bundle.' maximum: 28 minimum: 1 type: integer card_level: default: NA description: Level of the credit card. enum: - PREMIUM - TRADITIONAL - NA type: string e_disclosure_active: default: false description: A value of `true` indicates that the account holder consents to receiving disclosures and statements electronically. type: boolean fees: description: Contains one or more fees associated with the credit account. items: $ref: '#/components/schemas/ConfigFeeScheduleResponse' type: array min_payment: $ref: '#/components/schemas/AccountConfigMinPayment' payment_due_day: deprecated: true description: Day of the month when the payment for the previous billing cycle is due. maximum: 31 minimum: 31 type: integer payment_due_interval: default: -1 description: '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.' minimum: -1 type: integer payment_holds: $ref: '#/components/schemas/AccountConfigPaymentHolds' rewards: description: Contains one or more rewards associated with the credit account. items: $ref: '#/components/schemas/AccountReward' type: array required: - billing_cycle_day - card_level - e_disclosure_active - payment_holds type: object AprScheduleResponse: properties: active: description: Whether the APR is active. type: boolean created_date: description: Date and time when the APR was created on Marqeta's credit platform, in UTC. format: date-time type: string schedule: description: 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. items: $ref: '#/components/schemas/AprScheduleEntryResponse' minItems: 1 type: array type: $ref: '#/components/schemas/AccountAprType' updated_date: description: Date and time when the APR was last updated on Marqeta's credit platform, in UTC. format: date-time type: string required: - schedule - type type: object securitySchemes: mqAppAndAccessToken: scheme: basic type: http