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Update Account Credit Limit

This document details the sequence of API calls required to update credit limit

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This API is required to:

  • Self-service credit limit management: lets a cardholder (or issuer servicing channel) request a credit-limit change without branch/call-center dependency.
  • Consistent capability across channels: mobile app / web / CRM can all use the same backend contract to request a credit limit update.
  • Faster turnaround + controlled governance: the issuer can apply rules (eligibility, risk, product constraints) before sending the update to Network.

Option 1

Option 1 involves using card PATCH to update account level credit limit, using primary card Id

Update Account Credit Limit

Update Account Credit Limit

Option 1

User
User
Issuer App
Issuer App
Issuer Middleware
Issuer Middleware
Network
Network
Login Get list of cards GET /cards/search Return response HTTP 200 Forward response Show user list of cards 1. Select card 2. Request credit limit update 3. provide the new limit Forward request Check if cardholder is eligible POST /cards/primary/{id}/credit-limit Return response HTTP 204 Forward response Forward response

Updated 3 months ago