Credit Application

A Synchrony Financial credit card application submitted for instant decisioning.

Financial ServicesCreditPaymentsConsumer FinanceRetail Finance

Properties

Name	Type	Description
applicationId	string	Unique application identifier.
decision	string	Credit decision outcome.
creditLimit	number	Approved credit limit in USD.
accountNumber	string	Masked account number issued on approval.
merchantId	string	Originating merchant identifier.
applicant	object
channel	string	Application submission channel.
timestamp	string

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api.syf.com/schemas/credit-application",
  "title": "Credit Application",
  "description": "A Synchrony Financial credit card application submitted for instant decisioning.",
  "type": "object",
  "properties": {
    "applicationId": {
      "type": "string",
      "description": "Unique application identifier."
    },
    "decision": {
      "type": "string",
      "enum": ["approved", "declined", "pending"],
      "description": "Credit decision outcome."
    },
    "creditLimit": {
      "type": "number",
      "format": "double",
      "minimum": 0,
      "description": "Approved credit limit in USD."
    },
    "accountNumber": {
      "type": "string",
      "description": "Masked account number issued on approval."
    },
    "merchantId": {
      "type": "string",
      "description": "Originating merchant identifier."
    },
    "applicant": {
      "type": "object",
      "properties": {
        "firstName": { "type": "string" },
        "lastName": { "type": "string" },
        "email": { "type": "string", "format": "email" },
        "phone": { "type": "string" }
      },
      "required": ["firstName", "lastName"]
    },
    "channel": {
      "type": "string",
      "enum": ["web", "mobile"],
      "description": "Application submission channel."
    },
    "timestamp": {
      "type": "string",
      "format": "date-time"
    }
  },
  "required": ["applicationId", "decision", "merchantId", "timestamp"]
}