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Update a credit line

PATCH/api/v1/credit/lines/{credit_line_id}

Change the repayment account, AutoPay, the credit limit, or the status.

Supplying credit_limit_cents re-approves the line: it emits credit.line.limit_changed and pushes the new available credit to the issuer. This is the write behind Request More Funding.

Operation ID: update_credit_line·View as markdown·OpenAPI slice

Authentication

Bearer token authentication. Pass your DayZero API token in the Authorization header and the target business UUID in x-business-id.

Parameters

Path

credit_line_idstringrequired

Request body

Schema: CreditLineUpdateRequest

linked_account_namestring
linked_account_maskstring
plaid_account_idstring
autopay_enabledboolean
merchant_emailstring
statusCreditLineStatusEnum
credit_limit_centsinteger

Re-approved limit, in cents. This is the write behind Request More Funding (§6.1) and behind a risk-led reduction. Changing it emits credit.line.limit_changed and pushes the new available credit to the issuer, so the card starts declining at the new limit. A reduction below the current balance is allowed — available credit floors at zero and existing loans keep their own terms.

limit_change_reasonstring

Why the limit moved. Carried on the event and the ledger so an increase can be traced to the decision behind it.

Responses

200Successful Response

Schema: SuccessEnvelope_CreditLineResponse_

successboolean
messagestring
codestring
dataCreditLineResponse

400Bad Request - Invalid input

Schema: ErrorResponse

errorstringrequired

Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.

messagestringrequired

Human-readable explanation, safe to show to end users.

codestringrequired

Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).

request_idstring

Correlation id for support requests. Echoes the x-request-id request header when one was supplied.

errorsobject

Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

401Unauthorized - Missing/invalid token or no access to this business

Schema: ErrorResponse

errorstringrequired

Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.

messagestringrequired

Human-readable explanation, safe to show to end users.

codestringrequired

Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).

request_idstring

Correlation id for support requests. Echoes the x-request-id request header when one was supplied.

errorsobject

Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

403Forbidden - Insufficient permissions

Schema: ErrorResponse

errorstringrequired

Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.

messagestringrequired

Human-readable explanation, safe to show to end users.

codestringrequired

Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).

request_idstring

Correlation id for support requests. Echoes the x-request-id request header when one was supplied.

errorsobject

Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

404Not Found - Resource does not exist

Schema: ErrorResponse

errorstringrequired

Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.

messagestringrequired

Human-readable explanation, safe to show to end users.

codestringrequired

Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).

request_idstring

Correlation id for support requests. Echoes the x-request-id request header when one was supplied.

errorsobject

Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

422Validation Error

Schema: ErrorResponse

errorstringrequired

Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.

messagestringrequired

Human-readable explanation, safe to show to end users.

codestringrequired

Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).

request_idstring

Correlation id for support requests. Echoes the x-request-id request header when one was supplied.

errorsobject

Field-level validation messages keyed by field name. Present on 400/422 validation failures only.