Creating a credit application

To create a credit application, use the POST /credit/applications operation and provide the parameters as shown in the table below.

▶ Run in Postman

Parameter	Type	Description
`program_id` ^required	string	Unique ID provided by Bond that represents the card program offered to customers by your brand in partnership with a bank.
`applicant` ^required	object	Details of the customer as shown in the Applicant object table below.

The Applicant object has the following structure.

`applicant` Object	Type	Description
`customer_id` ^required	string	Unique customer ID of an existing customer for whom you want to submit the credit application.
`employment_status`	string	One of; `employed`, `self_employed`, `unemployed`, `retired`, `student`, or `other`.
`total_annual_income`	integer	Total annual income in cents, for example `12000000` being $120,000.
`monthly_housing_payment`	integer	Monthly housing payment in cents, for example `136000` being $1360.

📘
Personally Identifiable Information
All PII is submitted and edited using the Customer API.

An example of a request to create a credit application shown below.

curl --request POST \
     --url https://sandbox.bond.tech/api/v0.1/credit/applications \
     --header 'Accept: application/json' \
     --header 'Authorization: YOUR-AUTHORIZATION' \
     --header 'Content-Type: application/json' \
     --header 'Identity: YOUR-IDENTITY' \
     --data '
{
     "applicant": {
          "customer_id": "75ed5a43-6ee3-44f2-abea-98121532b432",
          "employment_status": "self_employed",
          "total_annual_income": 6500000,
          "monthly_housing_payment": 68500
     },
     "program_id": "92637aa9-2699-40cb-a492-dd0c8fadadc0"
}
'

require 'uri'
require 'net/http'
require 'openssl'

url = URI("https://sandbox.bond.tech/api/v0.1/credit/applications")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Accept"] = 'application/json'
request["Content-Type"] = 'application/json'
request["Identity"] = 'YOUR-IDENTITY'
request["Authorization"] = 'YOUR-AUTHORIZATION'
request.body = "{\"applicant\":{\"customer_id\":\"75ed5a43-6ee3-44f2-abea-98121532b432\",\"employment_status\":\"self_employed\",\"total_annual_income\":6500000,\"monthly_housing_payment\":68500},\"program_id\":\"92637aa9-2699-40cb-a492-dd0c8fadadc0\"}"

response = http.request(request)
puts response.read_body

import requests

url = "https://sandbox.bond.tech/api/v0.1/credit/applications"

payload = {
    "applicant": {
        "customer_id": "75ed5a43-6ee3-44f2-abea-98121532b432",
        "employment_status": "self_employed",
        "total_annual_income": 6500000,
        "monthly_housing_payment": 68500
    },
    "program_id": "92637aa9-2699-40cb-a492-dd0c8fadadc0"
}
headers = {
    "Accept": "application/json",
    "Content-Type": "application/json",
    "Identity": "YOUR-IDENTITY",
    "Authorization": "YOUR-AUTHORIZATION"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    Accept: 'application/json',
    'Content-Type': 'application/json',
    Identity: 'YOUR-IDENTITY',
    Authorization: 'YOUR-AUTHORIZATION'
  },
  body: JSON.stringify({
    applicant: {
      customer_id: '75ed5a43-6ee3-44f2-abea-98121532b432',
      employment_status: 'self_employed',
      total_annual_income: 6500000,
      monthly_housing_payment: 68500
    },
    program_id: '92637aa9-2699-40cb-a492-dd0c8fadadc0'
  })
};

fetch('https://sandbox.bond.tech/api/v0.1/credit/applications', options)
  .then(response => response.json())
  .then(response => console.log(response))
  .catch(err => console.error(err));

var client = new RestClient("https://sandbox.bond.tech/api/v0.1/credit/applications");
var request = new RestRequest(Method.POST);
request.AddHeader("Accept", "application/json");
request.AddHeader("Content-Type", "application/json");
request.AddHeader("Identity", "YOUR-IDENTITY");
request.AddHeader("Authorization", "YOUR-AUTHORIZATION");
request.AddParameter("application/json", "{\"applicant\":{\"customer_id\":\"75ed5a43-6ee3-44f2-abea-98121532b432\",\"employment_status\":\"self_employed\",\"total_annual_income\":6500000,\"monthly_housing_payment\":68500},\"program_id\":\"92637aa9-2699-40cb-a492-dd0c8fadadc0\"}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);

OkHttpClient client = new OkHttpClient();

MediaType mediaType = MediaType.parse("application/json");
RequestBody body = RequestBody.create(mediaType, "{\"applicant\":{\"customer_id\":\"75ed5a43-6ee3-44f2-abea-98121532b432\",\"employment_status\":\"self_employed\",\"total_annual_income\":6500000,\"monthly_housing_payment\":68500},\"program_id\":\"92637aa9-2699-40cb-a492-dd0c8fadadc0\"}");
Request request = new Request.Builder()
  .url("https://sandbox.bond.tech/api/v0.1/credit/applications")
  .post(body)
  .addHeader("Accept", "application/json")
  .addHeader("Content-Type", "application/json")
  .addHeader("Identity", "YOUR-IDENTITY")
  .addHeader("Authorization", "YOUR-AUTHORIZATION")
  .build();

Response response = client.newCall(request).execute();

The JSON response contains all the information related to the application. It also includes the application_status which indicates that the application process status is created.

An example of a response to a successful request to create a credit application is shown below.

{
  "program_id": "54f7882b-6b95-4cde-a7eb-775b9468bcb1",
  "date_created": "2021-11-15T00:17:56.842105Z",
  "date_updated": "2021-11-15T00:17:56.842105Z",
  "application_status": "created",
  "applicant": {
    "customer_id": "05a8054f-8259-4e30-8d1d-d286081987bd",
    "employment_status": "self_employed",
    "address_id": "bb5fa77d-fd66-4e31-81c0-eaf549b0c797",
    "total_annual_income": 6500000,
    "monthly_housing_payment": 68500,
    "terms_accepted": true,
    "currency": "USD",
    "first_name": "James",
    "middle_name": "Herbert",
    "last_name": "Bond",
    "date_of_birth": "1997-12-25",
    "street": "45 California St.",
    "street2": "Suite 600",
    "city": "San Francisco",
    "state": "CA",
    "country": "US",
    "zip_code": "94105",
    "ssn": "tok_sandbox_xoZzhoxaCXHb823bZp3x2e",
    "email": "[email protected]"
  },
  "accounts": {
    "security_deposit_account_id": null
  }
}

For a complete specification and interactive examples, see Creating a credit application in the Bond API Reference.

📘Personally Identifiable Information

📘
Personally Identifiable Information