---
title: "Get Credit Summary"
method: POST
path: "/getCreditSummary"
tags: ["Credit"]
---

# Get Credit Summary

`POST /getCreditSummary`

Use the Get Credit Summary endpoint to retrieve billing information for the specified account, from the most recent calculated bill cycle, and available credit.

## Response `default`

- object
  - `status_code` integer, nullable, required — The response status code. May return a string for some statuses.
  - `status` string, nullable, required — The condition of a process or response
  - `processing_time` number, nullable, required — The time elapsed in processing the transaction
  - `echo` object, nullable, required — A structure that contains transaction ID information
    - `transaction_id` string, nullable, required — An ID that represents an API transaction
    - `provider_timestamp` string, date-time, nullable, required — Store a related timestamp for reporting and troubleshooting purposes
    - `provider_transaction_id` string, nullable, required — Secondary transaction identifier (generated by a provider)
  - `system_timestamp` string, date-time, nullable, required — A system generated timestamp
  - `rtoken` string, nullable, required — A system-generated ID used for tracking
  - `errors` string[] — A list of errors generated while the request was processed
  - `response_data` object, nullable, required — A structure for the response data. It can be empty but usually will contain information.
    - `available_credit` string — The credit amount currently available
    - `outstanding_balance` number — The outstanding balance on the account
    - `billing` object — Billing-related information
      - `period` object, required — Information about the billing period
        - `start_date` string, date, nullable, required — Start date for the billing period
        - `end_date` string, date, nullable, required — End date for the billing period
      - `payment_due_date` string, date, nullable, required — Date the payment is due
      - `minimum_payment` number, nullable, required — The minimum payment amount
      - `amount_paid` number, nullable, required — DEPRECATED field. The amount paid on the account in the last billing cycle
      - `amount_paid_previous_cycle` number, nullable, required — The amount paid in the previous billing cycle
      - `amount_paid_current_cycle` number, nullable, required — The amount paid in the current billing cycle
      - `past_due_amount` number, nullable, required — The amount that is past due
      - `number_of_days_past_due` integer, nullable, required — The number of days the payment is past due. Null if not past due
      - `payment_status` string, required — The status of the payment (e.g., UNPAID, PAST_DUE, PAID, ZERO_BALANCE)
      - `delinquency_date` string, date, nullable, required — The date in which the account would become delinquent, if applicable
      - `number_of_days_delinquent` integer, nullable, required — The number of days the account has been delinquent. Null if not delinquent
    - `credit_limit` object — Credit limit information
      - `amount` string, nullable — The credit limit amount
      - `last_changed` string, date-time, nullable — Timestamp when the credit limit was last changed

---

[API](https://skmtc.net/galileo-ft/apis/program-api.md) · [All operations](https://skmtc.net/galileo-ft/apis/program-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/galileo-ft/program-api/revisions/bcd728f97a18/schema)