---
name: credit
description: Issue, control and bill credit cards — the full lifecycle from application through statements, instalments and collections. Use when working with the Credit Digital Channels Integration or when the user needs to interact with this API.
license: License (https://www.dgpays.com)
metadata:
  api-version: "v8.3.5.33"
  openapi-version: "3.0.4"
---

# Credit Digital Channels Integration

Issue, control and bill credit cards — the full lifecycle from application through statements, instalments and collections

## How to Use This Skill

This API documentation is split into multiple files for on-demand loading.

**Directory structure:**
```
references/
├── resources/      # 21 resource index files
├── operations/     # 155 operation detail files
└── schemas/        # 47 schema groups, 377 schema files
```

**Navigation flow:**
1. Find the resource you need in the list below
2. Read `references/resources/<resource>.md` to see available operations
3. Read `references/operations/<operation>.md` for full details
4. If an operation references a schema, read `references/schemas/<prefix>/<schema>.md`

## Base URL

- `https://devcard.sim-ant.com/SandBox/IntegrationDigitalChannelCredit` - Sandbox — safe to call; nothing settles.

## Resources

- **Instalments** → `references/resources/Instalments.md` (25 ops) - Split a purchase or a cash advance across a repaym
- **Statements and billing** → `references/resources/Statements-and-billing.md` (16 ops) - Produce the statement a cardholder reads, and mana
- **Card and customer limits** → `references/resources/Card-and-customer-limits.md` (14 ops) - Raise, lower and reverse the spending limit on a c
- **Card lifecycle** → `references/resources/Card-lifecycle.md` (12 ops) - Move a card through its states after issuance — st
- **PIN and card security** → `references/resources/PIN-and-card-security.md` (12 ops) - Set and change a PIN, manage the try counter, and 
- **Transactions** → `references/resources/Transactions.md` (11 ops) - Read what happened on a card and correct it — tran
- **Card issuance and personalisation** → `references/resources/Card-issuance-and-personalisation.md` (10 ops) - Create individual, corporate and virtual cards, an
- **Operation limits** → `references/resources/Operation-limits.md` (8 ops) - Cap what a card may do per transaction, per day, p
- **Account linking** → `references/resources/Account-linking.md` (6 ops) - Attach and detach the accounts a card draws on, an
- **Debt payment** → `references/resources/Debt-payment.md` (6 ops) - Take a payment against card debt, check a card is 
- **No-name cards** → `references/resources/No-name-cards.md` (5 ops) - Issue and activate pre-produced cards that carry n
- **Disputes and chargebacks** → `references/resources/Disputes-and-chargebacks.md` (5 ops) - Open a dispute against a transaction, attach the e
- **Collections and legal follow-up** → `references/resources/Collections-and-legal-follow-up.md` (5 ops) - Follow up arrears — delinquency state, collection 
- **Permissions and restrictions** → `references/resources/Permissions-and-restrictions.md` (4 ops) - Turn individual capabilities on and off for a card
- **Cash advance** → `references/resources/Cash-advance.md` (4 ops) - Draw cash against a credit line, and cancel an adv
- **Branch management** → `references/resources/Branch-management.md` (4 ops) - Move a customer or a card between branches, and re
- **Customers** → `references/resources/Customers.md` (2 ops) - Read the customer behind the cards — portfolio sum
- **Card applications** → `references/resources/Card-applications.md` (2 ops) - Track a card application from submission to the ca
- **Platform operations** → `references/resources/Platform-operations.md` (2 ops) - Health checks and cache refresh. Called by your mo
- **Reference data** → `references/resources/Reference-data.md` (1 ops) - Look up the reference data a card programme is con
- **Campaigns and rewards** → `references/resources/Campaigns-and-rewards.md` (1 ops) - Read the reward and campaign periods a customer's 
