v1
latestOpenAPI 3.0.02026-07-2459256884.4 KBUser Management
Update a Credit Card
This API updates user records with accurate credit card account numbers.
patch/v1/users/{userId}/creditCards/{creditCardId}
Path parameters
userIdstring required
Spinwheel userId to identify a user (one of userId or extUserId is required).
creditCardIdstring required
Spinwheel credit card Id associated with the user.
Request body
Example request
{
"cardProfile": {
"accountNumber": "4111111111111111"
}
}Response
Successful response
Example response
{
"status": {
"code": 200,
"desc": "success",
"messages": [
{
"desc": "Example description"
}
]
},
"data": {
"creditCardId": "7025c075-e92d-46fa-85e5-ac31ca667079",
"logoUrl": "https://spinwheel.io/logos/1226cd1b-51dd-4bd1-8dc8-098deb9e0c7b.png",
"displayName": "TD Bank",
"updatedOn": 1597753517524,
"createdOn": 1597753517524,
"userId": "3fef7131-71ae-4204-a8bd-3fc3ad6b4b82",
"cardProfile": {
"creditCardNumberMasked": "495962******6670",
"accountOriginationDate": "2023-01-15",
"creditLimit": 5000,
"highCreditAmount": 5000,
"accountRating": "1",
"liabilitySubtype": "CreditCard",
"closedDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"availableCreditDerived": 2500,
"reviewedInMonths": 6,
"reportedDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"chargeOffAmount": 5000,
"chargeOffDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"firstDelinquencyDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"lastActivityDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"accountTypeCode": "R",
"highestAdverseRatingDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"mostRecentAdverseRatingDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"secondMostRecentAdverseRatingDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"adverseRatingCount": 2,
"liabilityTransfers": {
"transferredFrom": {
"creditorName": "MASTERCARD"
},
"transferredTo": {
"creditorName": "MASTERCARD"
}
},
"narratives": [
{
"code": "EP",
"description": "Fixed rate"
}
],
"creditUtilization": 25,
"accountNumber": "4111111111111111",
"paymentHistory": {
"lastAssessedStatementDate": "2020-01-01",
"details": [
{
"date": "2020-01-01",
"description": "The account is current",
"code": "1"
}
]
}
},
"balanceDetails": {
"outstandingBalance": 2500,
"updatedOn": 1597753517524
},
"statementSummary": {
"statementDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"statementBalance": 3194,
"minimumPaymentAmount": 100,
"lastPaymentAmount": 100,
"lastPaymentDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"dueDate": "2023-04-10",
"amountPastDue": 100,
"refreshedFields": {
"paymentDueDay": {
"value": "2023-04-10",
"format": "YYYY-MM-DD",
"updatedOn": 1643917894780
},
"lastPaymentDate": {
"value": "2023-04-10",
"format": "YYYY-MM-DD",
"updatedOn": 1643917894780
},
"lastPaymentAmount": {
"value": 100,
"updatedOn": 1643917894780
}
},
"updatedOn": 1597753517524,
"dueDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
}
},
"aprs": [
{
"rate": 31.24,
"applicableBalance": 2500,
"expirationDate": "2023-12-31",
"updatedOn": 1597753517524
}
],
"creditor": {
"industryType": "SalesFinancing",
"industryCode": "FF",
"phoneNumber": "8663968254",
"originalName": "TD BANK",
"bureauSubscriberCode": "401BB00573",
"billingAddresses": [
{
"addressLine1": "123 Main Street",
"addressLine2": "Unit 208",
"city": "San Francisco",
"state": "CA",
"zip": "90211",
"zipExtension": "1234",
"reportedDate": "2023-09-20T00:00:00.000Z",
"reportedDateWithFormat": {
"value": "2020-01-01",
"format": "YYYY-MM-DD"
},
"addressType": "CURRENT"
}
],
"address": {
"addressLine1": "123 Main Street",
"addressLine2": "Unit 208",
"city": "San Francisco",
"state": "CA",
"zip": "90211",
"zipExtension": "1234"
},
"billingAddress": {
"addressLine1": "123 Main Street",
"addressLine2": "Unit 208",
"city": "San Francisco",
"state": "CA",
"zip": "90211",
"zipExtension": "1234"
}
}
}
}