Accept credit card offer

Use case

After a credit card has been created, it is in the PRESENTED state. This means that the offer is being presented to the customer. If the customer accepts the offer, we will accept the offer using the endpoint.

Use case data	API parameters with values
The path parameter is the offer ID from the response while creating the credit card offer. You can also get the offer ID by searching for the offers.	".../C001664282470/accept"

Sample API call

To accept the credit card offer, use the following endpoint:

https://card-api.sandbox.tuumplatform.com/api/v1/cards/offers/C001664282470/accept

Learn more about the accept card offer endpoint in the Tuum developer portal.

Sample response

Below you will find the response to the sample request:

Response

{
    "errors": null,
    "validationErrors": null,
    "data": {
        "offerId": "C001664282470",
        "applicationId": null,
        "creditTypeCode": "REVOLVING_MONTHLY",
        "priceListCode": "CREDIT_PL",
        "offerTypeCode": "NEW_CREDIT",
        "personId": "ID-3382",
        "servicingAccount": {
            "servicingAccountRef": "12345",
            "servicingAccountSource": "EXTERNAL",
            "servicingAccountNumber": null
        },
        "applicationScore": null,
        "requestedMoney": {
            "amount": 1000.00,
            "currencyCode": "EUR"
        },
        "offeredMoney": {
            "amount": 1000.00,
            "currencyCode": "EUR"
        },
        "maxMoney": {
            "amount": 1000.00,
            "currencyCode": "EUR"
        },
        "invoiceDay": 1,
        "invoiceDueDay": 20,
        "repaymentRuleCode": "PERCENTAGE",
        "statusCode": "ACCEPTED",
        "offerDate": "2023-07-10",
        "offerValidUntilDate": "2023-07-20",
        "apr": 13.80,
        "monthlyRepaymentMoney": {
            "amount": null,
            "currencyCode": "EUR"
        },
        "monthlyRepaymentRate": 10,
        "additionalData": null,
        "countryCode": "EE",
        "channelCode": "system",
        "source": {
            "sourceName": "",
            "sourceRef": "",
            "sourceLink": null
        },
        "contractHeaderId": "C001664282464",
        "contractNumber": "CC1664282464",
        "currentVersionId": "C001664282464",
        "creditAccountId": "C001664282453",
        "statusChangeReasonCode": null,
        "statusChangeReasonDetails": null,
        "tenantCode": null,
        "interests": [
            {
                "interestTypeCode": "CASH_INT",
                "rate": 11.00,
                "daysRuleCode": "ACTUAL/ACTUAL",
                "validityRange": null
            },
            {
                "interestTypeCode": "OVERLIMIT_INT",
                "rate": 15.00,
                "daysRuleCode": "ACTUAL/ACTUAL",
                "validityRange": null
            },
            {
                "interestTypeCode": "PUR_INT",
                "rate": 13.00,
                "daysRuleCode": "ACTUAL/ACTUAL",
                "validityRange": null
            }
        ]
    }
}

Result

We have now accepted the credit card offer. In the response, you can find the contract header ID, contract number, and credit account ID, along with other details. The credit contract with a credit account is created for the customer.

For a credit contract, some of the actions that you can perform are:

• Create a new contract version with changed conditions.

• Manually activate a contract.

• Request card repayment.

• Close or block a contract.