Overview
The card account article provides information about the credit card accounts and denotes top level consumers accounts at any institution. It includes the latest details of a consumer's accounts such as running balance, credit (current) available, transactions since last statement, and a list of zero or more statements.
Card Account Data Elements
The table below describes a card account data elements - refer to CardAccount in javadocs for locating these fields.
| Field Name | Description | Data Type | Availability | Example |
|---|---|---|---|---|
| Account Holder | Name or identification of the owner of the account | String | Often | John Smith |
| Account Type | Type of the card account | String | Often | Credit |
| Account Number | Account number for each card account. | String | Often | 1234567887654320 |
| Account Name | Name of each card account. This field is used for reconciliation. | String | Often | John Smith |
| Brand Name | Branding on the card | String | Often | 'Disney' for the Disney Credit Card issued by Chase |
| Account Classification | Classification of accounts. This field will be used to classify accounts -- personal or small business, etc. On classification, the transactions will be categorized by giving preference to small business categories for small business accounts. | account Classification | Often | Personal |
| Last Payment Date | Date the last account payment was received. | Date | Often | |
| Due Date | Date the minimum payment is due. | Date | Often | 08/05/2013 |
| Amount Due or Ending Balance | Total amount currently due | Money | Often | 6500.00 |
| Min Payment | Minimum payment for each card account. | Money | Often | 2500.00 |
| Last Payment | The amount of last payment. | Money | Often | 3500.00 |
| Running Balance | The current amount owed on the account (similarly the amount required to zero the balance) | Money | Often | 6500.00 |
| Available Credit | Current credit available for each account. | Money | Often | 10000.00 |
| Available Cash | Available cash for each account (e.g., cash advance limit) | Money | Often | 3000.00 |
| Total Credit Line | Total credit line for each account. | Money | Often | 25000.00 |
| Total Cash Limit | Total cash limit for each account. | Money | Often | 7500.00 |
| APR | Annual percentage rate applied to balances on the card. | Number or BigDecimal | Often | |
| Cash APR | Annual percentage rate applied to cash withdrawals on the card. | Number or BigDecimal | Often | 4.50 |
| Secondary Account Holder Name | Name of the secondary Account Holder. | String | Sometimes | |
| New Charges | Charges since last statement. | Money | Sometimes | 4600.00 |
| Payments | Payments received since the last statement. | Money | Sometimes | 3500.00 |
| APR Type | Annual percentage rate type. | String | Sometimes | Fixed/Variable Type |
| Cash APR Type | Cash annual percentage rate type, whether fixed/ variable | String | Sometimes | Fixed/Variable Type |
| Balance Transfer APR | Annual percentage rate of the balance transfer. | Number or BigDecimal | Sometimes | |
| Balance Transfer | Stores the balance transfer details for a consumer's card account. | balanceTransfer | Sometimes | Consumer can store multiple balance transfer details. |
| Payment Detail | Stores the information related to the payments made by the consumer. | paymentDetail | Sometimes | Consumer can store multiple payment details. |
| Account Open Date | Date the account was opened. | Date | Rarely | |
| Interest Paid This Period | The current interest paid on the account. | Money | Rarely | |
| Interest PaidYTD | Interest charged to the account, year to date. | Money | Rarely | |
| Account Nickname At Source Site | The account description shown to the consumer on login to identify the account. This can be an account nickname (if the site allows a nickname) else the account name. | String | Rarely | Personal Credit Card |
| Card Type | Type of the card. | cardType | Rarely | Visa |
| Card Transaction(s) | The list of transactions associated to this account. | Card Transaction | Often | |
| Card Statement(s) | The list of statements associated to this account. | Card Statement | Often |
Multiple Objects of Card Account Data Elements
The consumer can store multiple objects of card account balance transfer and card account payment detail.
| Field Name | Description | Data Type | Availability | Example |
| accountClassification.accountClassificationId | Unique identifier of the Account Classification. | Integer | Often | |
| accountClassification.accountClassification | Name of the Account Classification. | String | Often | |
| balanceTransfer.transferOffer | The amount of credit card transfer transaction. | String | Often | |
| balanceTransfer.transferRate | The rate offered for credit card transfer. | String | Often | |
| cardType.cardTypeId | Unique identifier of the card type. | Integer | Rarely | |
| cardType.cardTypeName | Name of the cardType. | String | Rarely | |
| paymentDetail.amount | Payment amount made by the user. | Money | Often | |
| paymentDetail.description | Description about the payment amount. | String | Often | Balance transfer |
| paymentDetail.paymentDate | Date of the transaction | Date | Often | 07/18/2013 |
| paymentDetail.paymentSource | The source of payment amount. | String | Sometimes | Transfer from another card |
| paymentDetail.paymentSourceAcctNum | The payment source account number. | String | Sometimes | Details of account number when transferred from another card or different source. |
| paymentDetail.confirmationNumber | The confirmation number when received payments through different source. | String | Sometimes |
*The fields listed here are only the most commonly required data elements.