latestOpenAPI 3.0.12026-08-10131668.6 KB

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Credit cards

Update repayment option for a credit card

This endpoint changes the repayment option (i.e., from charge to revolving, or vice versa) for the credit card specified in the request URL by the respective application ID. Note: The change will only take effect in the next billing cycle.

The API applies the following validation logic:

current_type	upcoming_type	minimum_amount & minimum_percentage	logic description
FULL	FULL	Absent or null	-
FULL	PARTIAL	Passed or already set	Allowed to be done any time in the billing cycle.<br>A customer must have QES and be not in Dunning.<br>latest_repayment_type_switch_date will be set to the current date.<br>Interest calculation for this account will start from the date of the switch.<br>current_type & upcoming_type will be set to PARTIAL<br>If there is a PENDING bill then:<br>it will be closed and a new one is generated for the same bill start_date and end_date.<br>a new PDF statement is also generated.
PARTIAL	PARTIAL	Passed or already set	-
PARTIAL	FULL	Passed or already set	Allowed only once in a billing cycle.<br>A customer must have QES and be not in Dunning.<br>A switch is not allowed if repayment_type_switch_available_date is not today or older.<br>The upcoming_type will be set to FULL.

patch/v1/credit_card_applications/{id}

Path parameters

idstring required

Request body

statement_with_detailsboolean

Indicates whether to return the full transaction details in the credit card statements.

Example request

{
  "repayment_options": {
    "upcoming_type": "FULL",
    "minimum_amount": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "minimum_percentage": 3
  },
  "statement_with_details": true
}

Response

The credit card application was created successfully.

idstring

external_customer_idstring

Arbitrary ID provided by you (e.g., membership ID).

customer_idstring

ID of the person who applied for the credit card.

account_idstring

ID of the Solaris account associated with the credit card.

account_ibanstring

IBAN of the Solaris account associated with the credit card.

reference_account_idstring

ID of the reference account associated with the credit card.

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_datestring date

The start date of the current billing cycle.

billing_end_datestring date

The end date of the current billing cycle.

qes_atstring date

The date of QES completion.

decline_reasonsstring[]

An array of reasons why the credit card application was declined.

statement_with_detailsboolean

Indicates whether to return the full transaction details in the credit card statements.

in_dunningboolean

Boolean value to indicate whether the credit card is currently subject to the dunning process.

repayment_type_switch_available_datestring date

The next possible date on which the customer may switch the credit card repayment type between charge and revolving.

created_atstring date

The date on which the application was created.

active_termination_idstring nullable

The ID of an active, unrevoked termination linked to the credit card application.

Example response

{
  "customer_id": "0ba2211cab11af6094d60ead81f2bd9dcper",
  "account_id": "c2a13abed3b0686ab5343aa748d7f2fecacc",
  "account_iban": "DE53110101013323159108",
  "reference_account_id": "d1ed02309ca52b5e636e215ff82b2d52sddm",
  "status": "PENDING",
  "product_type": "CONSUMER_CREDIT_CARD",
  "billing_start_date": "2022-07-01",
  "billing_end_date": "2022-07-28",
  "qes_at": "2022-07-28",
  "approved_limit": {
    "value": 100,
    "unit": "cents",
    "currency": "EUR"
  },
  "requested_limit": {
    "value": 100,
    "unit": "cents",
    "currency": "EUR"
  },
  "current_limit": {
    "value": 100,
    "unit": "cents",
    "currency": "EUR"
  },
  "repayment_options": {
    "upcoming_type": "PARTIAL",
    "minimum_amount": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "minimum_percentage": 2,
    "current_type": "PARTIAL",
    "upcoming_billing_cycle": "MONTHLY",
    "current_billing_cycle": "MONTHLY",
    "grace_period_in_days": 15,
    "minimum_amount_lower_threshold": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "minimum_amount_upper_threshold": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "minimum_percentage_lower_threshold": 3,
    "minimum_percentage_upper_threshold": 20
  },
  "statement_with_details": true,
  "scoring_options": {
    "customer_desired_limit": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "number_of_dependents": 1,
    "marital_status": "MARRIED",
    "living_situation": "LIVING_WITH_PARENTS",
    "living_situation_expenses": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "net_income": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "credit_repayment_excluding_mortgage": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "other_credit_card_limit": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "employment_since": "2019-08-24",
    "annual_turnover": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "monthly_business_costs": {
      "value": 100,
      "unit": "cents",
      "currency": "EUR"
    },
    "total_clients_12_months": 10,
    "reference_account_created_year": "2019",
    "member_since": "2019-08-24"
  },
  "repayment_type_switch_available_date": "2022-07-28",
  "created_at": "2022-07-28"
}