---
title: "Update repayment option for a credit card"
method: PATCH
path: "/v1/credit_card_applications/{id}"
tags: ["Credit cards"]
---

# Update repayment option for a credit card

`PATCH /v1/credit_card_applications/{id}`

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. |

## Path parameters

- `id` string, required

## Request body

- UpdateCreditCardApplication
  - `repayment_options` ModifiableRepaymentOptions
    - `upcoming_type` 'FULL' | 'PARTIAL' — Allows you to change the type of credit card as of the next billing cycle. Options are `FULL` (charge) and `PARTIAL` (revolving).
    - `minimum_amount` Amount
      - `value` integer — The amount (in Euro cents).
      - `unit` string — The unit.
      - `currency` string — The currency.
    - `minimum_percentage` integer — Minimum percentage of the used limit to be repaid at the end of each billing cycle. Only relevant if `upcoming_type` is set to `PARTIAL`.
  - `statement_with_details` boolean — Indicates whether to return the full transaction details in the credit card statements.

## 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)