# Query Consumer Credit Issuing data

Access Consumer Credit Issuing data in Sigma and Stripe Data Pipeline.

Most Consumer Credit Issuing data is available through [Sigma](https://docs.stripe.com/data/how-sigma-works.md) for querying in the Stripe Dashboard, or [Stripe Data Pipeline](https://docs.stripe.com/data/access-data-in-warehouse.md) for integrating with your data warehouse. The latest schema is available in the Dashboard when subscribed to Sigma.

## Issuing funding obligations

- **Table name**: `issuing_funding_obligations`
- **API reference**: [Funding Obligations](https://docs.stripe.com/api/issuing/funding_obligations.md)

An Issuing FundingObligation represents how much money a platform owes to Stripe, and the status of repayment. To track what a consumer owes to the platform, use the [Credit Statement](https://docs.stripe.com/api/issuing/credit-statement.md) instead.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `ifo_123`. |
| `amount_outstanding` | Bigint | The amount still unpaid of the `amount_total` for this obligation, in the smallest currency unit. |
| `amount_paid` | Bigint | The amount paid towards this obligation, in the smallest currency unit. |
| `amount_paid_from_reserve` | Bigint | The amount paid towards this obligation from the platform’s `issuing_credit_reserved` balance. |
| `amount_total` | Bigint | The total owed amount, in the smallest currency unit. |
| `balance_type` | Varchar | The balance type owed by this obligation. One of `issuing` or `issuing_credit_reserved`. |
| `batch_timestamp` | Timestamp | The time at which updates to the object were processed through Stripe Data Pipeline. Sigma doesn’t include these. They’re only available for core API tables exported through Stripe Data Pipeline. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `credit_period_ends_at` | Bigint | For connected accounts, when the window of cleared transactions contributing to this obligation ends. Not meaningful for platform-level FundingObligations, and not visible for reserve FundingObligations. |
| `credit_period_starts_at` | Bigint | For connected accounts, when the window of cleared transactions contributing to this obligation starts. Not meaningful for platform-level FundingObligations, and not visible for reserve FundingObligations. |
| `currency` | Varchar | Three-letter ISO currency code, in lowercase. |
| `due_at` | Bigint | When payment is due. After this time passes, the FundingObligation status becomes `past_due`. |
| `finalized_at` | Bigint | When the `amount_total` on this FundingObligation was finalized. |
| `grace_period_ends_at` | Bigint | When the grace period for fulfilling this obligation ends. After this time passes and the obligation isn’t paid, authorizations start to decline. |
| `livemode` | Varchar | `true` if the object exists in live mode, `false` if in test mode. |
| `merchant` | Varchar | Unique identifier for the user. |
| `owed_to` | Varchar | The party to whom the merchant is responsible for paying the owed amount. For platforms, this is `stripe`. |
| `paid_at` | Bigint | When this obligation was fully paid off. |
| `status` | Varchar | One of `charged_off`, `needs_refund`, `paid`, `past_due`, `pending`, `unpaid`. |
| `transaction_period_ends_at` | Bigint | When the window of cleared transactions contributing to this obligation ends. Not visible for reserve FundingObligations. |
| `transaction_period_starts_at` | Bigint | When the window of cleared transactions contributing to this obligation starts. Not visible for reserve FundingObligations. |

## Connected accounts

- **Table name**: `connected_accounts`
- **API reference**: [Accounts](https://docs.stripe.com/api/accounts/object.md)

The connected account represents the platform’s consumer. The table contains columns for most fields available in the [Account](https://docs.stripe.com/api/accounts/object.md) object.

## Credit policies

- **Table name**: `connected_account_issuing_credit_policies`
- **API reference**: [Credit Policy](https://docs.stripe.com/api/issuing/credit_policy/object.md)

The Issuing CreditPolicy represents the rules around how much credit a cardholder can spend and how often they need to pay for that spend.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icpo_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `credit_limit_amount` | Bigint | The spending limit for this credit policy, in the smallest currency unit. |
| `credit_limit_currency` | Varchar | The currency of `credit_limit_amount`. |
| `credit_period_ends_on_days` | List<Bigint> | When using a monthly or part-monthly `credit_period_interval`, which day(s) of the month credit periods end. |
| `credit_period_interval` | Varchar | The unit for determining the duration of the credit period. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `credit_period_interval_count` | Bigint | The number of units specified by `credit_period_interval`. |
| `days_until_due` | Bigint | The number of days after the end of the credit period before the FundingObligation transitions to `past_due`. |
| `last_effective_attributes_credit_limit_amount_amount` | Bigint | The credit limit that was in effect until `last_effective_attributes_effective_until`. |
| `last_effective_attributes_credit_limit_amount_currency` | Varchar | The ISO currency of `last_effective_attributes_credit_limit_amount_amount`. |
| `last_effective_attributes_effective_until` | Timestamp | The timestamp when the attributes in `last_effective_attributes` were set. |
| `last_effective_attributes_credit_period_ends_on_days` | List<Bigint> | The value for `credit_period_ends_on_days` that was in effect until `last_effective_attributes_effective_until`. |
| `last_effective_attributes_credit_period_interval` | Varchar | The value for `credit_period_interval` that was in effect until `last_effective_attributes_effective_until`. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `last_effective_attributes_credit_period_interval_count` | Bigint | The value for `credit_period_interval_count` that was in effect until `last_effective_attributes_effective_until`. |
| `status` | Varchar | One of `active`, `inactive`, `suspended`, or `permanently_closed`. |
| `upcoming_attributes_credit_limit_amount_amount` | Bigint | The credit limit that will take effect on `upcoming_attributes_effective_at`. |
| `upcoming_attributes_credit_limit_amount_currency` | Varchar | The ISO currency of `upcoming_attributes_credit_limit_amount_amount`. |
| `upcoming_attributes_effective_at` | Timestamp | When the upcoming attributes will start affecting spend and credit period duration. Must end in `00` because Stripe requires all changes to take effect at 00:00 UTC. |
| `upcoming_attributes_credit_period_ends_on_days` | List<Bigint> | The value for `credit_period_ends_on_days` that will take effect at `upcoming_attributes_effective_at`. |
| `upcoming_attributes_credit_period_interval` | Varchar | The value for `credit_period_interval` that will take effect at `upcoming_attributes_effective_at`. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `upcoming_attributes_credit_period_interval_count` | Bigint | The value for `credit_period_interval_count` that will take effect at `upcoming_attributes_effective_at`. |

## Credit policy archive

- **Table name**: `connected_account_issuing_credit_policy_archive`
- **API reference**: not applicable

The credit policy archive contains a full historical record of all states a credit policy has taken.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icpo_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `credit_policy_id` | Foreign key | The credit policy this archive record relates to. |
| `credit_limit_amount` | Bigint | The spending limit for this credit policy, in the smallest currency unit. |
| `credit_limit_currency` | Varchar | The currency of `credit_limit_amount`. |
| `credit_period_ends_on_days` | List<Bigint> | When using a monthly or part-monthly `credit_period_interval`, which days of the month credit periods end. |
| `credit_period_interval` | Varchar | The unit for determining the duration of the credit period. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `credit_period_interval_count` | Bigint | The number of units specified by `credit_period_interval`. |
| `days_until_due` | Bigint | The number of days after the end of the credit period before the FundingObligation transitions to `past_due`. |
| `last_effective_attributes_credit_limit_amount_amount` | Bigint | The credit limit that was in effect until `last_effective_attributes_effective_until`. |
| `last_effective_attributes_credit_limit_amount_currency` | Varchar | The ISO currency of `last_effective_attributes_credit_limit_amount_amount`. |
| `last_effective_attributes_effective_until` | Timestamp | The timestamp when the attributes in `last_effective_attributes` were set. |
| `last_effective_attributes_credit_period_ends_on_days` | List<Bigint> | The value for `credit_period_ends_on_days` that was in effect until `last_effective_attributes_effective_until`. |
| `last_effective_attributes_credit_period_interval` | Varchar | The value for `credit_period_interval` that was in effect until `last_effective_attributes_effective_until`. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `last_effective_attributes_credit_period_interval_count` | Bigint | The value for `credit_period_interval_count` that was in effect until `last_effective_attributes_effective_until`. |
| `status` | Varchar | One of `active`, `inactive`, `suspended`, or `permanently_closed`. |
| `upcoming_attributes_credit_limit_amount_amount` | Bigint | The credit limit that will take effect on `upcoming_attributes_effective_at`. |
| `upcoming_attributes_credit_limit_amount_currency` | Varchar | The ISO currency of `upcoming_attributes_credit_limit_amount_amount`. |
| `upcoming_attributes_effective_at` | Timestamp | When the upcoming attributes will start affecting spend and credit period duration. Must end in `00` because Stripe requires all changes to take effect at 00:00 UTC. |
| `upcoming_attributes_credit_period_ends_on_days` | List<Bigint> | The value for `credit_period_ends_on_days` that will take effect at `upcoming_attributes_effective_at`. |
| `upcoming_attributes_credit_period_interval` | Varchar | The value for `credit_period_interval` that will take effect at `upcoming_attributes_effective_at`. One of `day`, `minute`, `month`, `partial_month`, `week`. |
| `upcoming_attributes_credit_period_interval_count` | Bigint | The value for `credit_period_interval_count` that will take effect at `upcoming_attributes_effective_at`. |

## Credit ledger entries

- **Table name**: `connected_account_issuing_credit_ledger_entries`
- **API reference**: [List transactions](https://docs.stripe.com/issuing/consumer-issuing/integrate.md#list-transactions)

Individual entries within a consumer’s credit ledger.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icle_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `amount` | Bigint | Amount in the smallest currency unit. |
| `currency` | Varchar | Three-letter ISO currency code for the amount. |
| `source_id` | Foreign key | The ID of the object responsible for the ledger entry. |
| `source_type` | Varchar | One of `issuing_authorization`, `issuing_credit_ledger_adjustment`, `issuing_credit_repayment`, `issuing_dispute`, `issuing_transaction`. |

## Credit ledger adjustments

- **Table name**: `connected_account_issuing_credit_ledger_adjustments`
- **API reference**: [Issue rewards](https://docs.stripe.com/issuing/consumer-issuing/integrate.md#issue-rewards)

A one-off adjustment made to a consumer’s credit ledger.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icla_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `amount` | Bigint | Amount in the smallest currency unit. |
| `currency` | Varchar | Three-letter ISO currency code for the amount. |
| `reason` | Varchar | One of `excess_payment_credit`, `funding_obligation_payment`, `out_of_pocket_expense_by_account`, `out_of_policy_account_repayment`, `platform_issued_credit_memo`, `platform_issued_debit_memo`. |
| `reason_description` | Varchar | A description of why the adjustment was made. |

## Credit repayments

- **Table name**: `connected_account_issuing_credit_repayments`
- **API reference**: [Credit Repayments](https://docs.stripe.com/api/issuing/credit-repayment.md)

An Issuing Credit Repayment represents a payment collected by the platform to repay a balance owed by a credit cardholder connected account.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icr_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `amount` | Bigint | Amount in the smallest currency unit. |
| `currency` | Varchar | Three-letter ISO currency code for the amount. |
| `allocation_fees` | Bigint | The portion of `amount` applied to fees. |
| `allocation_interest` | Bigint | The portion of `amount` applied to interest. |
| `allocation_principal` | Bigint | The portion of `amount` applied to the principal. |
| `balance_transaction_id` | Foreign key | ID of the balance transaction describing the impact of this repayment on the account balance. |
| `failure_balance_transaction_id` | Foreign key | ID of the balance transaction describing the reversal of the balance due to repayment failure. |
| `credit_statement_descriptor` | Varchar | Statement descriptor shown on the cardholder’s credit statement for this repayment. |
| `status` | Varchar | One of `created`, `canceled`, `failed`, `processing`, `succeeded`. |
| `status_transitions_canceled_at` | Timestamp | The time the repayment was canceled. |
| `status_transitions_failed_at` | Timestamp | The time the repayment failed. |
| `status_transitions_processing_at` | Timestamp | The time the repayment started processing. |
| `status_transitions_succeeded_at` | Timestamp | The time the repayment succeeded. |
| `status_transitions_reversed_at` | Timestamp | The time the repayment was reversed. |

## Credit underwriting records

- **Table name**: `connected_account_issuing_credit_underwriting_records`
- **API reference**: [Credit Underwriting Record](https://docs.stripe.com/api/issuing/credit_underwriting_record.md)

A CreditUnderwritingRecord is created every time a consumer submits a credit application or the platform takes a proactive credit decision on an existing account.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `cur_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `application_purpose` | Varchar | Scope of demand made by the applicant. One of `bankruptcy`, `credit_limit_increase`, `credit_line_opening`, `hardship`, `probate`, `us_servicemembers_civil_relief_act`. |
| `application_submitted_at` | Timestamp | Date when the applicant submitted their application. |
| `application_application_method` | Varchar | The channel through which the applicant submitted their application. One of `online`, `in_person`, `phone`, `mail`. |
| `created_from` | Varchar | One of `application`, `proactive_review`. |
| `credit_user_name` | Varchar | Full name of the applicant or account holder. |
| `credit_user_email` | Varchar | Email of the applicant or account holder. |
| `decided_at` | Timestamp | Date when a decision was made. |
| `decision_application_rejected_reasons` | Varchar | List of up to four reasons why the application was rejected, in order of importance. |
| `decision_application_rejected_reason_other_explanation` | Varchar | Details about `reasons.other` when present. |
| `decision_credit_limit_approved_amount_amount` | Bigint | The approved credit amount. |
| `decision_credit_limit_approved_amount_currency` | Varchar | The ISO currency of `decision_credit_limit_approved_amount_amount`. |
| `decision_credit_limit_decreased_reasons` | List<Varchar> | List of up to four reasons why the existing credit was decreased, in order of importance. |
| `decision_credit_limit_decreased_amount_amount` | Bigint | Credit amount approved after the decrease. |
| `decision_credit_limit_decreased_amount_currency` | Varchar | The ISO currency of `decision_credit_limit_decreased_amount_amount`. |
| `decision_credit_line_closed_reasons` | List<Varchar> | List of up to four reasons why the account was closed, in order of importance. |
| `decision_type` | Varchar | One of `credit_limit_approved`, `application_rejected`, `credit_limit_decreased`, `additional_information_requested`, `withdrawn_by_applicant`, `credit_line_closed`, `no_changes`. |
| `decision_deadline` | Timestamp | For application-initiated underwriting, a decision must be taken within 30 days of submission. |
| `regulatory_reporting_file` | Varchar | File containing regulatory reporting data for the decision, if applicable. |
| `underwriting_exception_reason` | Varchar | If an exception to the usual underwriting criteria was made, the reason must be provided here. Grant exceptions only in rare circumstances, in consultation with Stripe Compliance. |

## Credit statements

- **Table name**: `connected_account_issuing_credit_statement`
- **API reference**: [Credit Statement](https://docs.stripe.com/api/issuing/credit-statement.md)

The Issuing Credit Statement represents a snapshot at the end of a consumer’s credit statement period.

| Column | Type | Description |
| --- | --- | --- |
| `id` | Primary key | Unique identifier for the object. For example, `icrdstm_123`. |
| `created` | Timestamp | Time at which the object was created, in seconds since the Unix epoch. |
| `opening_statement_balance` | Bigint | Opening balance of the credit statement. |
| `closing_statement_balance` | Bigint | Closing balance of the credit statement. |
| `credit_period_ends_at` | Bigint | Credit period end date, as a UTC midnight timestamp. |
| `credit_period_starts_at` | Bigint | Credit period start date, as a UTC midnight timestamp. |
| `currency` | Varchar | The ISO currency of `opening_statement_balance` and `closing_statement_balance`. |
| `statement_due_at` | Bigint | Credit statement due date, as a UTC midnight timestamp. |
| `statement_minimum_payment` | Bigint | Minimum required payment for the credit statement. |
| `statement_pdf` | Varchar | File API URL for the generated statement PDF. |
| `status` | Varchar | One of `finalized`, `pending`, `processing`, `unknown`. |