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Credit cards

Create a credit card application for a consumer or freelancer

This endpoint creates a credit card application and assigns it to the person with the person_id specified in the request URL. The application includes all the required information about the customer, such as their self-declared financial information, credit card type and requested limit, which Solaris' credit scorer uses to initiate a series of credit checks.<br> Note: Solaris will tell you which fields are mandatory based on your use case.

post/v1/persons/{person_id}/credit_card_applications

Path parameters

person_idstring required

Request body

product_type'CONSUMER_CREDIT_CARD' | 'FREELANCER_CREDIT_CARD' | 'BUSINESS_CREDIT_CARD' required

Indicates the type of credit card to open.

external_customer_idstring

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

statement_with_detailsboolean

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

Example request

{
  "product_type": "CONSUMER_CREDIT_CARD",
  "external_customer_id": "CKV1002494",
  "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"
  }
}

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.

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_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"
}