# POST /api/v1/credit/programs/{program_id}/card-management

> Switch who manages a program's cards

- **Tag:** credit
- **Operation ID:** `credit_switch_card_management`

## Description

Plans moving the program's `card_management` to `target`, per line and per card: `keep`, `adopt` (a registered card whose fund the program's issuer connection can see), `leave_with_partner` (with the reason), or `stays_with_dayzero` (a DayZero card on a program moving to the partner; it stays DayZero-managed and is still pushed). `dry_run` defaults to true and changes nothing. With `dry_run: false` the field is written, adoptable cards are adopted and their limit pushed once, and one `credit.line.limit_changed` is emitted per line whose managers changed. Applying the same target again changes nothing. Operator action.

## Authentication

Bearer token in `Authorization` header.
Required header: `x-business-id: <business uuid>`.

## Parameters

- `program_id` (path, string, required)

## Request body

Schema: `CardManagementSwitchRequest`

- `target` (string · required) (one of: dayzero, partner) — `dayzero`: DayZero manages the program's cards and adopts every registered card whose fund the program's issuer connection can see. `partner`: the partner manages them; DayZero stops pushing by default and announces limits as `credit.line.limit_changed`.
- `dry_run` (boolean) — Report the plan and change nothing. Send `false` to apply it.

## Responses

### 201 — Successful Response

Schema: `SuccessEnvelope_CardManagementSwitchResponse_`

- `success` (boolean)
- `message` (string)
- `code` (string)
- `data` (CardManagementSwitchResponse)

### 400 — Bad Request - Invalid input

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 401 — Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 403 — Forbidden - Insufficient permissions

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 404 — Not Found - Resource does not exist

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 422 — Validation Error

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

## Code samples

### cURL

```bash
curl -X POST 'https://api.ondayzero.com/api/v1/credit/programs/{program_id}/card-management' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "target": "dayzero"
}'
```

### JavaScript

```javascript
const response = await fetch('https://api.ondayzero.com/api/v1/credit/programs/{program_id}/card-management', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer dz_your_token',
    'x-business-id': 'YOUR_BUSINESS_ID',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "target": "dayzero"
}),
});
const data = await response.json();
```

### Python

```python
import httpx

headers = {
    "Authorization": "Bearer dz_your_token",
    "x-business-id": "YOUR_BUSINESS_ID",
}

payload = {'target': 'dayzero'}

response = httpx.post("https://api.ondayzero.com/api/v1/credit/programs/{program_id}/card-management", headers=headers, json=payload)
data = response.json()
```

## See also

- HTML version: https://www.ondayzero.com/docs/reference/credit/credit-switch-card-management
- OpenAPI slice: https://www.ondayzero.com/docs/reference/credit/credit-switch-card-management/openapi.json
- Other endpoints in **credit**: https://www.ondayzero.com/docs/reference/credit (markdown bundle: https://www.ondayzero.com/docs/reference/credit.md, OpenAPI: https://www.ondayzero.com/docs/reference/credit/openapi.json)
- Endpoint catalog: https://www.ondayzero.com/docs/reference/index.md