Marqeta Credit Products API

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 Products API
  version: 3.0.39
servers:
- url: /v3
security:
- mqAppAndAccessToken: []
tags:
- description: '// Conditional snippet for beta or internal content

    include::../../maturity-admonition-banner.adoc[]


    [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 <</developer-guides/credit-programs-dashboard, 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 <</developer-guides/about-credit-products, About Credit Products>>.


    To receive webhook notifications when product transition events occur, see <</core-api/event-types#_credit_product_transition_events, Credit product transition events>> in Event Types.


    [IMPORTANT]

    ====

    To create and manage credit products, you must use the link:https://app.marqeta.com/[Marqeta Dashboard, window="_blank"].

    For more, see <</developer-guides/credit-products-dashboard, Managing Credit Products in the Marqeta Dashboard>>.


    &#160; +


    The following endpoints are displayed for reference purposes only.

    ===='
  name: Credit Products
paths:
  /products:
    get:
      description: 'Retrieve an array of credit products.


        This endpoint supports <</core-api/sorting-and-pagination, sorting and pagination>>.'
      operationId: listProducts
      parameters:
      - description: An array of statuses by which to filter credit products.
        explode: true
        in: query
        name: status
        required: false
        schema:
          items:
            $ref: '#/components/schemas/ResourceStatus'
          type: array
        style: form
      - description: Number of credit product 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
      responses:
        '200':
          content:
            application/json:
              example:
                count: 2
                data:
                - card_product_tokens:
                  - my_card_product1234
                  classification: CONSUMER
                  config:
                    billing_cycle_day: 1
                    fees:
                    - LATE_PAYMENT_FEE
                    fees_config: []
                    payment_due_day: 31
                    periodic_fees:
                    - frequency: ANNUAL
                      number_of_days_post_activation: 5
                    - frequency: MONTHLY
                      number_of_days_post_activation: 28
                    rewards_config: []
                  created_time: 2023-09-03 19:03:21.035000+00:00
                  credit_line:
                    max: 200000
                    min: 25
                  currency_code: USD
                  description: Description of credit product
                  interest_calculation:
                    day_count: ACTUAL
                    exclude_tran_types:
                    - ANNUAL_FEE
                    - LATE_PAYMENT_FEE
                    - CASH_BACK_STATEMENT_CREDIT
                    grace_days_application: NEXT_CYCLE_DATE
                    interest_application:
                    - PRINCIPAL
                    - FEES
                    interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                    method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                    minimum_interest: 1
                  min_payment_calculation:
                    include_overlimit_amount: false
                    include_past_due_amount: false
                    min_payment_flat_amount: 25
                    min_payment_percentage:
                      include_fees_charged: []
                      include_interest_charged: false
                      percentage_of_balance: 1
                  min_payment_flat_amount: 25
                  min_payment_percentage: 1
                  name: Gold Card
                  payment_allocation_order:
                  - INTEREST
                  - FEES
                  - PRINCIPAL
                  product_sub_type: CREDIT_CARD
                  product_type: REVOLVING
                  status: ACTIVE
                  token: my_credit_product_token1234
                  updated_time: 2023-09-03 19:03:21.035000+00:00
                  usage:
                  - PURCHASE
                - card_product_tokens:
                  - card-product-token-d308
                  - card-product-token-cc10
                  classification: CONSUMER
                  config:
                    billing_cycle_day: 1
                    fees:
                    - LATE_PAYMENT_FEE
                    fees_config: []
                    payment_due_day: 31
                    periodic_fees:
                    - frequency: ANNUAL
                      number_of_days_post_activation: 5
                    - frequency: MONTHLY
                      number_of_days_post_activation: 28
                    rewards_config: []
                  created_time: 2023-10-26 14:46:26.678000+00:00
                  credit_line:
                    max: 20000
                    min: 200
                  currency_code: USD
                  description: Platinum consumer product
                  interest_calculation:
                    day_count: ACTUAL
                    exclude_tran_types:
                    - LATE_PAYMENT_FEE
                    - ANNUAL_FEE
                    - CASH_BACK_STATEMENT_CREDIT
                    grace_days_application: NEXT_CYCLE_DATE
                    interest_application:
                    - PRINCIPAL
                    - FEES
                    interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                    method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                    minimum_interest: 1
                  min_payment_flat_amount: 22
                  min_payment_percentage: 2
                  name: My Platinum Credit Product
                  payment_allocation_order:
                  - INTEREST
                  - FEES
                  - PRINCIPAL
                  product_sub_type: CREDIT_CARD
                  product_type: REVOLVING
                  status: ACTIVE
                  token: credit-product-token-9163
                  updated_time: 2023-10-26 16:45:19.908000+00:00
                  usage:
                  - PURCHASE
                end_index: 0
                is_more: true
                start_index: 0
              schema:
                $ref: '#/components/schemas/ProductsPage'
          description: Expected response to a valid request
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: List credit products
      tags:
      - Credit Products
    post:
      description: Create a credit product.
      operationId: createProduct
      parameters: []
      requestBody:
        content:
          application/json:
            example:
              card_product_tokens:
              - my_card_product1234
              classification: CONSUMER
              config:
                billing_cycle_day: 1
                fees:
                - LATE_PAYMENT_FEE
                payment_due_day: 31
                periodic_fees: []
              credit_line:
                max: 200000
                min: 25
              currency_code: USD
              interest_calculation:
                day_count: ACTUAL
                exclude_tran_types:
                - ANNUAL_FEE
                - LATE_PAYMENT_FEE
                - CASH_BACK_STATEMENT_CREDIT
                grace_days_application: NEXT_CYCLE_DATE
                interest_application:
                - PRINCIPAL
                - FEES
                interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                minimum_interest: 1
              min_payment_calculation:
                include_overlimit_amount: true
                include_past_due_amount: true
                min_payment_flat_amount: 25
                min_payment_percentage:
                  include_fees_charged:
                  - LATE_PAYMENT_FEE
                  include_interest_charged: false
                  percentage_of_balance: 1
              min_payment_flat_amount: 25
              min_payment_percentage: 1
              name: my_credit_product1234
              payment_allocation_order:
              - INTEREST
              - FEES
              - PRINCIPAL
              product_sub_type: CREDIT_CARD
              product_type: REVOLVING
              status: ACTIVE
              usage:
              - PURCHASE
            schema:
              $ref: '#/components/schemas/ProductCreateReq'
        required: true
      responses:
        '201':
          content:
            application/json:
              example:
                card_product_tokens:
                - my_card_product1234
                classification: CONSUMER
                config:
                  billing_cycle_day: 1
                  fees:
                  - LATE_PAYMENT_FEE
                  fees_config: []
                  payment_due_day: 31
                  periodic_fees: []
                  rewards_config: []
                created_time: 2021-09-03 19:03:21.035000+00:00
                credit_line:
                  max: 200000
                  min: 25
                currency_code: USD
                description: Description of credit product
                interest_calculation:
                  day_count: ACTUAL
                  exclude_tran_types:
                  - ANNUAL_FEE
                  - LATE_PAYMENT_FEE
                  - CASH_BACK_STATEMENT_CREDIT
                  grace_days_application: NEXT_CYCLE_DATE
                  interest_application:
                  - PRINCIPAL
                  - FEES
                  interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                  method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                  minimum_interest: 1
                min_payment_calculation:
                  include_overlimit_amount: false
                  include_past_due_amount: false
                  min_payment_flat_amount: 25
                  min_payment_percentage:
                    include_fees_charged: []
                    include_interest_charged: false
                    percentage_of_balance: 1
                min_payment_flat_amount: 25
                min_payment_percentage: 1
                name: Gold Card
                payment_allocation_order:
                - INTEREST
                - FEES
                - PRINCIPAL
                product_sub_type: CREDIT_CARD
                product_type: REVOLVING
                status: ACTIVE
                token: my_credit_product_token1234
                updated_time: 2021-09-03 19:03:21.035000+00:00
                usage:
                - PURCHASE
              schema:
                $ref: '#/components/schemas/ProductResponse'
          description: Expected response
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: Create credit product
      tags:
      - Credit Products
  /products/{token}:
    get:
      description: Retrieve a credit product.
      operationId: retrieveProduct
      parameters:
      - description: 'Unique identifier of the credit product to retrieve.


          Send a `GET` request to `/credit/products` to retrieve existing credit product tokens.'
        explode: false
        in: path
        name: token
        required: true
        schema:
          type: string
          x-allowableValues: Existing credit product token
        style: simple
      responses:
        '200':
          content:
            application/json:
              example:
                card_product_tokens:
                - card-product-token-2222
                classification: CONSUMER
                config:
                  billing_cycle_day: 1
                  fees:
                  - LATE_PAYMENT_FEE
                  payment_due_day: 31
                  periodic_fees:
                  - frequency: ANNUAL
                    number_of_days_post_activation: 5
                  - frequency: MONTHLY
                    number_of_days_post_activation: 28
                created_time: 2020-12-17 00:11:46+00:00
                credit_line:
                  max: 3500
                  min: 1500
                currency_code: USD
                description: Description of Gold Product
                interest_calculation:
                  day_count: ACTUAL
                  exclude_tran_types:
                  - ANNUAL_FEE
                  - LATE_PAYMENT_FEE
                  - CASH_BACK_STATEMENT_CREDIT
                  grace_days_application: NEXT_CYCLE_DATE
                  interest_application:
                  - PRINCIPAL
                  - FEES
                  interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                  method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                  minimum_interest: 1
                min_payment_flat_amount: 0.01
                min_payment_percentage: 0.0001
                name: Gold Product
                payment_allocation_order:
                - INTEREST
                - FEES
                - PRINCIPAL
                product_sub_type: CREDIT_CARD
                product_type: REVOLVING
                status: DRAFT
                token: credit-product-token1111
                updated_time: 2020-12-17 00:11:46+00:00
                usage:
                - PURCHASE
              schema:
                $ref: '#/components/schemas/ProductResponse'
          description: A JSON object containing product information
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: Retrieve credit product
      tags:
      - Credit Products
  /products/{token}/lineage:
    get:
      description: '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 <</core-api/sorting-and-pagination, sorting and pagination>>.'
      operationId: lineageProducts
      parameters:
      - description: '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.'
        explode: false
        in: path
        name: token
        required: true
        schema:
          type: string
          x-allowableValues: Existing credit product token
        style: simple
      - description: An array of statuses by which to filter credit products.
        explode: true
        in: query
        name: status
        required: false
        schema:
          items:
            $ref: '#/components/schemas/ResourceStatus'
          type: array
        style: form
      - description: Number of credit product 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
      responses:
        '200':
          content:
            application/json:
              example:
                count: 3
                data:
                - card_product_tokens:
                  - card-product-token-d308
                  - card-product-token-cc10
                  classification: CONSUMER
                  config:
                    billing_cycle_day: 1
                    payment_due_day: 31
                  created_time: 2023-10-26 14:46:26.678000+00:00
                  credit_line:
                    max: 20000
                    min: 200
                  currency_code: USD
                  description: Platinum consumer product
                  interest_calculation:
                    day_count: ACTUAL
                    exclude_tran_types:
                    - LATE_PAYMENT_FEE
                    - ANNUAL_FEE
                    - CASH_BACK_STATEMENT_CREDIT
                    grace_days_application: NEXT_CYCLE_DATE
                    interest_application:
                    - PRINCIPAL
                    - FEES
                    interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                    method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                    minimum_interest: 1
                  min_payment_calculation:
                    include_overlimit_amount: false
                    include_past_due_amount: true
                    min_payment_flat_amount: 22
                    min_payment_percentage:
                      include_fees_charged: []
                      include_interest_charged: false
                      percentage_of_balance: 2
                  min_payment_flat_amount: 22
                  min_payment_percentage: 2
                  name: My Platinum Credit Product
                  parent_product_token: credit-product-token-366b
                  payment_allocation_order:
                  - INTEREST
                  - FEES
                  - PRINCIPAL
                  product_sub_type: CREDIT_CARD
                  product_type: REVOLVING
                  status: ACTIVE
                  token: credit-product-token-9163
                  updated_time: 2023-10-26 16:45:19.908000+00:00
                  usage:
                  - PURCHASE
                - card_product_tokens:
                  - card-product-token-d308
                  classification: CONSUMER
                  config:
                    billing_cycle_day: 1
                    payment_due_day: 31
                  created_time: 2023-10-26 14:43:11.187000+00:00
                  credit_line:
                    max: 20000
                    min: 200
                  currency_code: USD
                  description: Platinum consumer product
                  interest_calculation:
                    day_count: ACTUAL
                    exclude_tran_types:
                    - LATE_PAYMENT_FEE
                    - ANNUAL_FEE
                    - CASH_BACK_STATEMENT_CREDIT
                    grace_days_application: NEXT_CYCLE_DATE
                    interest_application:
                    - PRINCIPAL
                    - FEES
                    interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                    method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                    minimum_interest: 1
                  min_payment_calculation:
                    include_overlimit_amount: false
                    include_past_due_amount: false
                    min_payment_flat_amount: 22
                    min_payment_percentage:
                      include_fees_charged: []
                      include_interest_charged: false
                      percentage_of_balance: 2
                  min_payment_flat_amount: 22
                  min_payment_percentage: 2
                  name: My Platinum Credit Product
                  payment_allocation_order:
                  - INTEREST
                  - FEES
                  - PRINCIPAL
                  product_sub_type: CREDIT_CARD
                  product_type: REVOLVING
                  status: ARCHIVED
                  token: credit-product-token-366b
                  updated_time: 2023-10-26 16:45:19.907000+00:00
                  usage:
                  - PURCHASE
                - card_product_tokens:
                  - card-product-token-d308
                  - card-product-token-cc10
                  classification: CONSUMER
                  config:
                    billing_cycle_day: 1
                    payment_due_day: 31
                  created_time: 2023-10-26 14:44:54.770000+00:00
                  credit_line:
                    max: 20000
                    min: 200
                  currency_code: USD
                  description: Platinum consumer product
                  interest_calculation:
                    day_count: ACTUAL
                    exclude_tran_types:
                    - LATE_PAYMENT_FEE
                    - ANNUAL_FEE
                    - CASH_BACK_STATEMENT_CREDIT
                    grace_days_application: NEXT_CYCLE_DATE
                    interest_application:
                    - PRINCIPAL
                    - FEES
                    interest_on_grace_reactivation: ACCRUE_FULL_CYCLE
                    method: AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
                    minimum_interest: 1
                  min_payment_calculation:
                    include_overlimit_amount: false
                    include_past_due_amount: false
                    min_payment_flat_amount: 22
                    min_payment_percentage:
                      include_fees_charged: []
                      include_interest_charged: false
                      percentage_of_balance: 2
                  min_payment_flat_amount: 22
                  min_payment_percentage: 2
                  name: My Platinum Credit Product
                  parent_product_token: credit-product-token-366b
                  payment_allocation_order:
                  - INTEREST
                  - FEES
                  - PRINCIPAL
                  product_sub_type: CREDIT_CARD
                  product_type: REVOLVING
                  status: REJECTED
                  token: credit-product-token-4373
                  updated_time: 2023-10-26 14:45:26.015000+00:00
                  usage:
                  - PURCHASE
                end_index: 2
                is_more: false
                start_index: 0
              schema:
                $ref: '#/components/schemas/ProductsPage'
          description: Expected response to a valid request
        default:
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
          description: Unexpected error
      security:
      - zionToken: []
      summary: Retrieve credit product lineage
      tags:
      - Credit Products
components:
  schemas:
    ResourceStatus:
      description: '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.'
      enum:
      - DRAFT
      - PENDING_APPROVAL
      - SENT_FOR_REVISION
      - ACTIVE
      - REJECTED
      - ARCHIVED
      type: string
    ProductMinPaymentCalculation:
      description: Contains information used to calculate the minimum payment amount.
      properties:
        include_past_due_amount:
          description: Whether to include the past due amount when calculating the minimum payment.
          type: boolean
        min_payment_flat_amount:
          description: Minimum payment, expressed as a flat amount, due on the payment due day.
          minimum: 0.01
          type: number
        min_payment_percentage:
          $ref: '#/components/schemas/ProductMinPaymentPercentage'
      required:
      - include_overlimit_amount
      - include_past_due_amount
      - min_payment_flat_amount
      - min_payment_percentage
      type: object
    ProductConfig:
      description: Contains information on configurations for billing cycle day, payment due day, and fees.
      properties:
        billing_cycle_day:
          description: Day of the month when the billing cycle starts.
          maximum: 28
          minimum: 1
          type: integer
        billing_cycle_day_strategy:
          default: MANUAL
          description: Determines if the billing cycle day is manually set or determined dynamically during account creation based on cycling logic.
          enum:
          - MANUAL
          type: string
        billing_cycle_frequency:
          default: MONTHLY
          description: Frequency at which the account is billed.
          enum:
          - MONTHLY
          type: string
        fees:
          description: One or more fee types.
          items:
            $ref: '#/components/schemas/ProductFeeType'
          type: array
        payment_due_day:
          deprecated: true
          description: '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 <</core-api/credit-products#retrieveProduct, Retrieve credit product, config.payment_due_interval>>.'
          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.


            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
        periodic_fees:
          description: Contains one or more periodic fees.
          items:
            description: Contains information on a periodic fee.
            properties:
              frequency:
                description: How frequently the fee is charged.
                enum:
                - ANNUAL
                - MONTHLY
                type: string
              number_of_days_post_activation:
                description: '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.'
                maximum: 1000
                minimum: 1
                type: integer
            required:
            - frequency
            - number_of_days_post_activation
            title: ProductConfigPeriodicFees
            type: object
          type: array
      required:
      - billing_cycle_day
      type: object
    ProductClassification:
      default: CONSUMER
      description: '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.'
      enum:
      - CONSUMER
      - SMALL_AND_MEDIUM_BUSINESS
      type: string
    InterestCalculation:
      description: Contains the configurations for interest calculation.
      properties:
        day_count:
          description: Day-count convention.
          enum:
          - ACTUAL
          type: string
        exclude_tran_types:
          default:
          - ANNUAL_FEE
          - MONTHLY_FEE
          - LATE_PAYMENT_FEE
          - CASH_BACK_STATEMENT_CREDIT
          - FOREIGN_TRANSACTION_FEE
          description: One or more transactions that are excluded from current billing period's interest charge, but included in next.
          items:
            enum:
            - LATE_PAYMENT_FEE
            - ANNUAL_FEE
            - MONTHLY_FEE
            - CASH_BACK_STATEMENT_CREDIT
            - RETURNED_PAYMENT_FEE
            - FOREIGN_TRANSACTION_FEE
            type: string
          type: array
        grace_days_application:
          description: Determines the last day of grace period based on which interest charges are calculated.
          enum:
          - NEXT_CYCLE_DATE
          type: string
        interest_application:
          default:
          - PRINCIPAL
          - FEES
          description: One or more balance types on which interest is applied.
          items:
            enum:
            - PRINCIPAL
            - FEES
            - INTEREST
            type: string
          minItems: 1
          type: array
        interest_on_grace_reactivation:
          $ref: '#/components/schemas/InterestOnGraceReactivationEnum'
        method:
          description: Method of interest calculation.
          enum:
          - AVG_DAILY_BALANCE_WITH_NEW_TRANSACTIONS
          type: string
        minimum_interest:
          description: When interest is applied, this value determines the minimum amount of interest that can be charged.
          maximum: 9.9999999999999E11
          minimum: 0
          type: number
      required:
      - day_count
      - grace_days_application
      - interest_application
      - interest_on_grace_reactivation
      - method
      - minimum_interest
      type: object
    BalanceType:
      description: 'Type of balance.


        * `PURCHASE` - The balance on purchases.'
      enum:
      - PURCHASE
      type: string
    ProductResponse:
      description: 'Specifies shared details for a credit program.


        Once set to `ACTIVE`, cannot be edited or deleted.'
      properties:
        card_product_tokens:
          description: One or more associated card product tokens.
          items:
            type: string
          minItems: 1
          type: array
        classification:
          $ref: '#/components/schemas/ProductClassification'
        config:
          $ref: '#/components/schemas/ProductConfig'
        created_time:
          description: Date and time when the credit product was create

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# Full source: https://raw.githubusercontent.com/api-evangelist/marqeta/refs/heads/main/openapi/marqeta-credit-products-api-openapi.yml