--- title: "Accept and finalize credit card application" method: POST path: "/v1/credit_card_applications/{id}/finalize" tags: ["Credit cards"] --- # Accept and finalize credit card application `POST /v1/credit_card_applications/{id}/finalize` Finalizes the credit card application specified in the request URL. If the request succeeds, then Solaris will create a credit card account for the customer.
**Note:** Call this endpoint only after the customer has successfully completed the KYC process. ## Path parameters - `id` string, required ## Response `200` The credit card application was created successfully. - CreditCardApplicationResponse - `id` string - `external_customer_id` string — Arbitrary ID provided by you (e.g., membership ID). - `customer_id` string — ID of the person who applied for the credit card. - `account_id` string — ID of the Solaris account associated with the credit card. - `account_iban` string — IBAN of the Solaris account associated with the credit card. - `reference_account_id` string — ID of the reference account associated with the credit card. - `status` 'PENDING' | 'IN_SCORING' | 'PRE_APPROVED' | 'FINALIZING' | 'FINALIZED' | 'DECLINED' | 'TERMINATED' | 'WAITING_FOR_IDENTIFICATION' | 'IN_KNE_SCORING' — The current status of the credit card. - `product_type` 'CONSUMER_CREDIT_CARD' | 'FREELANCER_CREDIT_CARD' | 'BUSINESS_CREDIT_CARD' — Indicates the type of credit card. - `billing_start_date` string, date — The start date of the current billing cycle. - `billing_end_date` string, date — The end date of the current billing cycle. - `qes_at` string, date — The date of QES completion. - `approved_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `requested_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `current_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `decline_reasons` string[] — An array of reasons why the credit card application was declined. - `repayment_options` RepaymentOptions - `upcoming_type` 'FULL' | 'PARTIAL' — Indicates the type of the credit card which will be from next billing cycle. - `minimum_amount` object — The minimum amount to be repaid each billing cycle - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `minimum_percentage` integer — Credit card application's repayment minimum percentage - `current_type` 'FULL' | 'PARTIAL' — Indicates the type of the credit card. Possible values are `FULL` (charge) and `PARTIAL` (revolving). - `upcoming_billing_cycle` 'WEEKLY' | 'BIWEEKLY' | 'MONTHLY' | 'BIMONTHLY' | 'QUARTERLY' — Indicates the next billing interval for the card. - `current_billing_cycle` 'WEEKLY' | 'BIWEEKLY' | 'MONTHLY' | 'BIMONTHLY' | 'QUARTERLY' — Indicates the current billing interval for the credit card. - `grace_period_in_days` integer — Indicates number of days in the grace period for paying off the required amount in each billing cycle. - `minimum_amount_lower_threshold` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `minimum_amount_upper_threshold` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `minimum_percentage_lower_threshold` integer — The lower threshold for the minimum percentage of the balance that you may require customers to pay in each billing cycle. - `minimum_percentage_upper_threshold` integer — The upper threshold for the minimum percentage of the balance that you may require customers to pay in each billing cycle. - `statement_with_details` boolean — Indicates whether to return the full transaction details in the credit card statements. - `scoring_options` union — Object containing information about the scoring for the credit card application. - ConsumerScoringOptions - `customer_desired_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `number_of_dependents` integer — The number of dependents (e.g., children or spouse) who depend on the customer's income. - `marital_status` 'SINGLE' | 'MARRIED' | 'DIVORCED' | 'WIDOWED' | 'UNKNOWN' — The customer's marital status. - `living_situation` 'LIVING_WITH_PARENTS' | 'LIVING_IN_OWN_HOUSE' | 'LIVING_IN_RENTED_HOUSE' — The customer's living situation. - `living_situation_expenses` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `net_income` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `credit_repayment_excluding_mortgage` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `other_credit_card_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `employment_since` string, date — The date from which the customer has held their current job. - `annual_turnover` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `monthly_business_costs` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `total_clients_12_months` integer — (Freelancers only) The total number of clients that the customer has had in the last 12 months. - `has_credit_card` boolean — Does customer already possess a credit card account. - `reference_account_created_year` string — Year since when does reference bank account exist. - `member_since` string, date — Date of ADAC membership started. - `provision_code` string — ADAC provision code. - `reference_account_iban` string — Reference account - BusinessScoringOptions - `customer_desired_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `other_credit_card_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `total_assets` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `total_equity` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `annual_turnover` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `partner_recommended_limit` Amount - `value` integer — The amount (in Euro cents). - `unit` string — The unit. - `currency` string — The currency. - `partner_pd_rate` number, float — Your calculated probability of default (PD) rate for the business. - `partner_score` integer — Your calculated score for the business. - `in_dunning` boolean — Boolean value to indicate whether the credit card is currently subject to the dunning process. - `repayment_type_switch_available_date` string, date — The next possible date on which the customer may switch the credit card repayment type between charge and revolving. - `created_at` string, date — The date on which the application was created. - `active_termination_id` string, nullable — The ID of an active, unrevoked termination linked to the credit card application. ## Other responses - `400` — Validation Error - `403` — Unathorized action - `404` — Not found - `500` — Internal server error. --- [API](https://skmtc.net/solarisgroup/apis/credit-cards.md) · [All operations](https://skmtc.net/solarisgroup/apis/credit-cards/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/credit-cards/revisions/0da0be803c1c/schema)