# Consumer Credit Issuing

Learn about the Stripe consumer credit solution to launch a credit program for your customers.

> Consumer Credit Issuing is currently in [private preview](https://docs.stripe.com/release-phases.md) and only available in the United States (US). To join the waitlist, [submit your email](https://docs.stripe.com/issuing/consumer-issuing.md#request-access).

Stripe provides the components to create, launch, and run a bank-sponsored credit program. Use Consumer Credit Issuing to:

- Onboard consumer accounts
- Issue bank-sponsored credit cards (both [physical](https://docs.stripe.com/issuing/cards/physical.md) and [virtual](https://docs.stripe.com/issuing/cards/virtual.md))
- Manage your credit program without needing your own sponsor bank or bank charter
- Move money between Stripe, your platform, and your consumers
- Customize how your consumers earn rewards

Consumer Credit Issuing also automatically maintains a credit ledger to track customer payments, responds to disputes on behalf of the consumer, and reports to the Credit Bureau. To learn more, see [How Consumer Credit Issuing works](https://docs.stripe.com/issuing/consumer-issuing/how-it-works.md).

## Features

Consumer Credit Issuing automatically:

|  |
| **Issues physical and virtual cards with a bank partner to customers** | You can issue [physical](https://docs.stripe.com/issuing/cards/physical.md) or [virtual cards](https://docs.stripe.com/issuing/cards/virtual.md) using APIs or the Stripe Dashboard. Stripe manages the manufacturing, printing and shipping of the physical cards. |
| **Manages processing with card networks** | Stripe enables the transfers of funds between consumers, businesses, and financial institutions. |
| **Responds to disputes on behalf of the cardholder** | When cardholders report a dispute, Stripe automatically manages and responds to the dispute on your behalf. We notify you if you win or lose the  dispute. |
| **Approves or denies payment authorization requests in real time** | Issuer processing allows Stripe to approve or decline payment [authorization requests](https://docs.stripe.com/issuing/controls/real-time-authorizations.md) in real-time. We evaluate each transaction based on the available credit, account status, and your program’s terms. |
| **Uses advanced fraud alerts** | We use [Radar](https://docs.stripe.com/issuing/controls/radar.md) to detect and prevent potential fraud, sending alerts during consumer onboarding if we find suspicious activity. |
| **Reminds and collects outstanding payments from cardholders** | Stripe automatically sends repayment reminders and provides payment plans to consumers for collections. |
| **Reports to the Credit Bureau** | Stripe handles credit bureau reporting in compliance with Metro2 formats. |
| **Provides platform services and customer management tools** | Stripe manages consumer account services on your behalf. This includes consumer support specialists who interact with your customers and handle inquiries according to your policies. |
| **Includes reports** | Stripe provides [reports](https://docs.stripe.com/stripe-reports.md) you can access in the [Stripe Dashboard](https://dashboard.stripe.com/issuing/overview). To access advanced reports, use [Stripe Sigma](https://docs.stripe.com/payment-authentication/writing-queries.md). Our [Stripe Data Pipeline](https://docs.stripe.com/data/access-data-in-warehouse/data-warehouses.md) allows you to export Stripe data to your data warehouse to generate these reports. |

## Request access

### Request to join the preview for Consumer Credit Issuing.

Enter your email to request access.

```bash
curl https://docs.stripe.com/preview/register \
  -X POST \
  -H "Content-Type: application/json" \
  -H "Referer: https://docs.stripe.com/issuing/consumer-issuing" \
  -d '{"email": "EMAIL", "preview": "consumer_issuing_review_preview"}'
```