Revolving Credit
Revolving credit is a receivables-based lending product where customers carry balances across billing cycles with interest, minimum due, and past-due tracking. For product concepts and program setup, see the Revolving Credit guide.
Building blocks
Revolving credit composes several existing Unit resources:
| Resource | Role |
|---|---|
| Credit Accounts | Customer-facing credit limit, balance, and available credit |
Lending Programs (ReceivablesRetention) | Program-level configuration including retention policy and operational accounts |
| Credit Terms | Billing cycle, interest, minimum due, fees, and repayment terms |
| Receivables Management | Inspect individual receivables and upcoming purchase obligations |
| Repayments | Collect and track customer repayments |
What this section covers
The APIs documented here cover the revolving credit lifecycle — billing snapshots and operational endpoints that build on receivables:
| API | Description |
|---|---|
| Daily snapshots | Day-by-day billing state for a credit account |
| Repayment breakdown | How a repayment was allocated across plans |
| Purchase account receivables | Bulk-purchase all bank-owned receivables on an account |
| Prime loan rate | Latest prime loan rate for variable-rate products |
For listing, filtering, and inspecting individual receivables, use Receivables Management.