stripe 22.2.0 → 22.3.0-alpha.2

package/esm/resources/Issuing/CreditUnderwritingRecords.d.ts

@@ -0,0 +1,640 @@
+import { StripeResource } from '../../StripeResource.js';
+import { PaginationParams, MetadataParam, Metadata } from '../../shared.js';
+import { RequestOptions, ApiListPromise, Response } from '../../lib.js';
+export declare class CreditUnderwritingRecordResource extends StripeResource {
+    /**
+     * Retrieves a list of CreditUnderwritingRecord objects. The objects are sorted in descending order by creation date, with the most-recently-created object appearing first.
+     */
+    list(params?: Issuing.CreditUnderwritingRecordListParams, options?: RequestOptions): ApiListPromise<CreditUnderwritingRecord>;
+    /**
+     * Retrieves a CreditUnderwritingRecord object.
+     */
+    retrieve(id: string, params?: Issuing.CreditUnderwritingRecordRetrieveParams, options?: RequestOptions): Promise<Response<CreditUnderwritingRecord>>;
+    /**
+     * Update a CreditUnderwritingRecord object to correct mistakes.
+     */
+    correct(id: string, params?: Issuing.CreditUnderwritingRecordCorrectParams, options?: RequestOptions): Promise<Response<CreditUnderwritingRecord>>;
+    /**
+     * Update a CreditUnderwritingRecord object from a decision made on a credit application.
+     */
+    reportDecision(id: string, params: Issuing.CreditUnderwritingRecordReportDecisionParams, options?: RequestOptions): Promise<Response<CreditUnderwritingRecord>>;
+    /**
+     * Creates a CreditUnderwritingRecord object with information about a credit application submission.
+     */
+    createFromApplication(params: Issuing.CreditUnderwritingRecordCreateFromApplicationParams, options?: RequestOptions): Promise<Response<CreditUnderwritingRecord>>;
+    /**
+     * Creates a CreditUnderwritingRecord object from an underwriting decision coming from a proactive review of an existing accountholder.
+     */
+    createFromProactiveReview(params: Issuing.CreditUnderwritingRecordCreateFromProactiveReviewParams, options?: RequestOptions): Promise<Response<CreditUnderwritingRecord>>;
+}
+export interface CreditUnderwritingRecord {
+    /**
+     * Unique identifier for the object.
+     */
+    id: string;
+    /**
+     * String representing the object's type. Objects of the same type share the same value.
+     */
+    object: 'issuing.credit_underwriting_record';
+    /**
+     * For decisions triggered by an application, details about the submission.
+     */
+    application: Issuing.CreditUnderwritingRecord.Application | null;
+    /**
+     * Time at which the object was created. Measured in seconds since the Unix epoch.
+     */
+    created: number;
+    /**
+     * The event that triggered the underwriting.
+     */
+    created_from: Issuing.CreditUnderwritingRecord.CreatedFrom;
+    credit_user: Issuing.CreditUnderwritingRecord.CreditUser;
+    /**
+     * Date when a decision was made.
+     */
+    decided_at: number | null;
+    /**
+     * Details about the decision.
+     */
+    decision: Issuing.CreditUnderwritingRecord.Decision | null;
+    /**
+     * For underwriting initiated by an application, a decision must be taken 30 days after the submission.
+     */
+    decision_deadline: number | null;
+    /**
+     * If the object exists in live mode, the value is `true`. If the object exists in test mode, the value is `false`.
+     */
+    livemode: boolean;
+    /**
+     * Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format.
+     */
+    metadata: Metadata | null;
+    /**
+     * File containing regulatory reporting data for the decision. Required if you are subject to this [reporting requirement](https://docs.stripe.com/issuing/credit/report-required-regulatory-data-for-credit-decisions).
+     */
+    regulatory_reporting_file: string | null;
+    /**
+     * If an exception to the usual underwriting criteria was made for this application, details about the exception must be provided. Exceptions should only be granted in rare circumstances, in consultation with Stripe Compliance.
+     */
+    underwriting_exception: Issuing.CreditUnderwritingRecord.UnderwritingException | null;
+}
+export declare namespace Issuing {
+    namespace CreditUnderwritingRecord {
+        interface Application {
+            /**
+             * The channel through which the applicant has submitted their application.
+             */
+            application_method: Application.ApplicationMethod;
+            /**
+             * Scope of demand made by the applicant.
+             */
+            purpose: Application.Purpose;
+            /**
+             * Date when the applicant submitted their application.
+             */
+            submitted_at: number;
+        }
+        type CreatedFrom = 'application' | 'proactive_review';
+        interface CreditUser {
+            /**
+             * Email of the applicant or accountholder.
+             */
+            email: string;
+            /**
+             * Full name of the company or person.
+             */
+            name: string;
+        }
+        interface Decision {
+            /**
+             * Details about a decision application_rejected.
+             */
+            application_rejected: Decision.ApplicationRejected | null;
+            /**
+             * Details about a decision credit_limit_approved.
+             */
+            credit_limit_approved: Decision.CreditLimitApproved | null;
+            /**
+             * Details about a decision credit_limit_decreased.
+             */
+            credit_limit_decreased: Decision.CreditLimitDecreased | null;
+            /**
+             * Details about a decision credit_line_closed.
+             */
+            credit_line_closed: Decision.CreditLineClosed | null;
+            /**
+             * Outcome of the decision.
+             */
+            type: Decision.Type;
+        }
+        interface UnderwritingException {
+            /**
+             * Written explanation for the exception.
+             */
+            explanation: string;
+            /**
+             * The decision before the exception was applied.
+             */
+            original_decision_type: UnderwritingException.OriginalDecisionType;
+        }
+        namespace Application {
+            type ApplicationMethod = 'in_person' | 'mail' | 'online' | 'phone';
+            type Purpose = 'credit_limit_increase' | 'credit_line_opening';
+        }
+        namespace Decision {
+            interface ApplicationRejected {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation: string | null;
+                /**
+                 * List of reasons why the application was rejected up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<ApplicationRejected.Reason>;
+            }
+            interface CreditLimitApproved {
+                /**
+                 * Credit amount approved. An approved credit limit is required before you can set a amount in the [CreditPolicy API](https://docs.stripe.com/api/issuing/credit_policy).
+                 */
+                amount: number;
+                /**
+                 * Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies).
+                 */
+                currency: string;
+            }
+            interface CreditLimitDecreased {
+                /**
+                 * Credit amount approved after decrease. An approved credit limit is required before you can set a amount in the [CreditPolicy API](https://docs.stripe.com/api/issuing/credit_policy).
+                 */
+                amount: number;
+                /**
+                 * Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies).
+                 */
+                currency: string;
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation: string | null;
+                /**
+                 * List of reasons why the existing credit was decreased, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLimitDecreased.Reason>;
+            }
+            interface CreditLineClosed {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation: string | null;
+                /**
+                 * List of reasons why the existing account was closed, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLineClosed.Reason>;
+            }
+            type Type = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+            namespace ApplicationRejected {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+            namespace CreditLimitDecreased {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+            namespace CreditLineClosed {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+        }
+        namespace UnderwritingException {
+            type OriginalDecisionType = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+        }
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordRetrieveParams {
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordListParams extends PaginationParams {
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordCorrectParams {
+        /**
+         * Details about the application submission.
+         */
+        application?: CreditUnderwritingRecordCorrectParams.Application;
+        /**
+         * Information about the company or person applying or holding the account.
+         */
+        credit_user?: CreditUnderwritingRecordCorrectParams.CreditUser;
+        /**
+         * Date when a decision was made.
+         */
+        decided_at?: number;
+        /**
+         * Details about the decision.
+         */
+        decision?: CreditUnderwritingRecordCorrectParams.Decision;
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+        /**
+         * Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format. Individual keys can be unset by posting an empty value to them. All keys can be unset by posting an empty value to `metadata`.
+         */
+        metadata?: MetadataParam;
+        /**
+         * File containing regulatory reporting data for the decision. Required if you are subject to this [reporting requirement](https://docs.stripe.com/issuing/credit/report-required-regulatory-data-for-credit-decisions). Optional if previously provided and no changes are needed.
+         */
+        regulatory_reporting_file?: string;
+        /**
+         * If an exception to the usual underwriting criteria was made for this decision, details about the exception must be provided. Exceptions should only be granted in rare circumstances, in consultation with Stripe Compliance.
+         */
+        underwriting_exception?: CreditUnderwritingRecordCorrectParams.UnderwritingException;
+    }
+    namespace CreditUnderwritingRecordCorrectParams {
+        interface Application {
+            /**
+             * The channel through which the applicant has submitted their application. Defaults to `online`.
+             */
+            application_method?: Application.ApplicationMethod;
+            /**
+             * Scope of demand made by the applicant.
+             */
+            purpose: Application.Purpose;
+            /**
+             * Date when the applicant submitted their application.
+             */
+            submitted_at: number;
+        }
+        interface CreditUser {
+            /**
+             * Email of the applicant or accountholder.
+             */
+            email: string;
+            /**
+             * Full name of the company or person.
+             */
+            name: string;
+        }
+        interface Decision {
+            /**
+             * Details about the application rejection.
+             */
+            application_rejected?: Decision.ApplicationRejected;
+            /**
+             * Details about the credit limit approved. An approved credit limit is required before you can set a `credit_limit_amount` in the [CreditPolicy API](https://docs.stripe.com/api/issuing/credit_policy/)
+             */
+            credit_limit_approved?: Decision.CreditLimitApproved;
+            /**
+             * Details about the credit limit decreased.
+             */
+            credit_limit_decreased?: Decision.CreditLimitDecreased;
+            /**
+             * Details about the credit line closed.
+             */
+            credit_line_closed?: Decision.CreditLineClosed;
+            /**
+             * Outcome of the decision.
+             */
+            type: Decision.Type;
+        }
+        interface UnderwritingException {
+            /**
+             * Written explanation for the exception.
+             */
+            explanation: string;
+            /**
+             * The decision before the exception was applied.
+             */
+            original_decision_type: UnderwritingException.OriginalDecisionType;
+        }
+        namespace Application {
+            type ApplicationMethod = 'in_person' | 'mail' | 'online' | 'phone';
+            type Purpose = 'credit_limit_increase' | 'credit_line_opening';
+        }
+        namespace Decision {
+            interface ApplicationRejected {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the application was rejected, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<ApplicationRejected.Reason>;
+            }
+            interface CreditLimitApproved {
+                /**
+                 * The credit approved, in the currency of the account and [smallest currency unit](https://docs.stripe.com/currencies#zero-decimal).
+                 */
+                amount: number;
+                /**
+                 * The currency of the credit approved, will default to the Account's Issuing currency.
+                 */
+                currency?: string;
+            }
+            interface CreditLimitDecreased {
+                /**
+                 * The credit approved, in the currency of the account and [smallest currency unit](https://docs.stripe.com/currencies#zero-decimal).
+                 */
+                amount: number;
+                /**
+                 * The currency of the credit approved, will default to the Account's Issuing currency.
+                 */
+                currency?: string;
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the existing credit was decreased, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLimitDecreased.Reason>;
+            }
+            interface CreditLineClosed {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the credit line was closed, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLineClosed.Reason>;
+            }
+            type Type = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+            namespace ApplicationRejected {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+            namespace CreditLimitDecreased {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+            namespace CreditLineClosed {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+        }
+        namespace UnderwritingException {
+            type OriginalDecisionType = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+        }
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordCreateFromApplicationParams {
+        /**
+         * Details about the application submission.
+         */
+        application: CreditUnderwritingRecordCreateFromApplicationParams.Application;
+        /**
+         * Information about the company or person applying or holding the account.
+         */
+        credit_user: CreditUnderwritingRecordCreateFromApplicationParams.CreditUser;
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+        /**
+         * Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format. Individual keys can be unset by posting an empty value to them. All keys can be unset by posting an empty value to `metadata`.
+         */
+        metadata?: MetadataParam;
+    }
+    namespace CreditUnderwritingRecordCreateFromApplicationParams {
+        interface Application {
+            /**
+             * The channel through which the applicant has submitted their application. Defaults to `online`.
+             */
+            application_method?: Application.ApplicationMethod;
+            /**
+             * Scope of demand made by the applicant.
+             */
+            purpose: Application.Purpose;
+            /**
+             * Date when the applicant submitted their application.
+             */
+            submitted_at: number;
+        }
+        interface CreditUser {
+            /**
+             * Email of the applicant or accountholder.
+             */
+            email: string;
+            /**
+             * Full name of the company or person.
+             */
+            name: string;
+        }
+        namespace Application {
+            type ApplicationMethod = 'in_person' | 'mail' | 'online' | 'phone';
+            type Purpose = 'credit_limit_increase' | 'credit_line_opening';
+        }
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordCreateFromProactiveReviewParams {
+        /**
+         * Information about the company or person applying or holding the account.
+         */
+        credit_user: CreditUnderwritingRecordCreateFromProactiveReviewParams.CreditUser;
+        /**
+         * Date when a decision was made.
+         */
+        decided_at: number;
+        /**
+         * Details about the decision.
+         */
+        decision: CreditUnderwritingRecordCreateFromProactiveReviewParams.Decision;
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+        /**
+         * Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format. Individual keys can be unset by posting an empty value to them. All keys can be unset by posting an empty value to `metadata`.
+         */
+        metadata?: MetadataParam;
+        /**
+         * File containing regulatory reporting data for the decision. Required if you are subject to this [reporting requirement](https://docs.stripe.com/issuing/credit/report-required-regulatory-data-for-credit-decisions).
+         */
+        regulatory_reporting_file?: string;
+        /**
+         * If an exception to the usual underwriting criteria was made for this decision, details about the exception must be provided. Exceptions should only be granted in rare circumstances, in consultation with Stripe Compliance.
+         */
+        underwriting_exception?: CreditUnderwritingRecordCreateFromProactiveReviewParams.UnderwritingException;
+    }
+    namespace CreditUnderwritingRecordCreateFromProactiveReviewParams {
+        interface CreditUser {
+            /**
+             * Email of the applicant or accountholder.
+             */
+            email: string;
+            /**
+             * Full name of the company or person.
+             */
+            name: string;
+        }
+        interface Decision {
+            /**
+             * Details about the credit limit approved. An approved credit limit is required before you can set a `credit_limit_amount` in the [CreditPolicy API](https://docs.stripe.com/api/issuing/credit_policy/)
+             */
+            credit_limit_approved?: Decision.CreditLimitApproved;
+            /**
+             * Details about the credit limit decreased.
+             */
+            credit_limit_decreased?: Decision.CreditLimitDecreased;
+            /**
+             * Details about the credit line closed.
+             */
+            credit_line_closed?: Decision.CreditLineClosed;
+            /**
+             * Outcome of the decision.
+             */
+            type: Decision.Type;
+        }
+        interface UnderwritingException {
+            /**
+             * Written explanation for the exception.
+             */
+            explanation: string;
+            /**
+             * The decision before the exception was applied.
+             */
+            original_decision_type: UnderwritingException.OriginalDecisionType;
+        }
+        namespace Decision {
+            interface CreditLimitApproved {
+                /**
+                 * The credit approved, in the currency of the account and [smallest currency unit](https://docs.stripe.com/currencies#zero-decimal).
+                 */
+                amount: number;
+                /**
+                 * The currency of the credit approved, will default to the Account's Issuing currency.
+                 */
+                currency?: string;
+            }
+            interface CreditLimitDecreased {
+                /**
+                 * The credit approved, in the currency of the account and [smallest currency unit](https://docs.stripe.com/currencies#zero-decimal).
+                 */
+                amount: number;
+                /**
+                 * The currency of the credit approved, will default to the Account's Issuing currency.
+                 */
+                currency?: string;
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the existing credit was decreased, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLimitDecreased.Reason>;
+            }
+            interface CreditLineClosed {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the credit line was closed, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<CreditLineClosed.Reason>;
+            }
+            type Type = 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes';
+            namespace CreditLimitDecreased {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+            namespace CreditLineClosed {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'change_in_financial_state' | 'change_in_utilization_of_credit_line' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'decrease_in_income_to_expense_ratio' | 'decrease_in_social_media_performance' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'exceeds_acceptable_platform_exposure' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'has_recent_credit_limit_increase' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_credit_utilization' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'insufficient_usage_as_qualified_expenses' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+        }
+        namespace UnderwritingException {
+            type OriginalDecisionType = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+        }
+    }
+}
+export declare namespace Issuing {
+    interface CreditUnderwritingRecordReportDecisionParams {
+        /**
+         * Date when a decision was made.
+         */
+        decided_at: number;
+        /**
+         * Details about the decision.
+         */
+        decision: CreditUnderwritingRecordReportDecisionParams.Decision;
+        /**
+         * Specifies which fields in the response should be expanded.
+         */
+        expand?: Array<string>;
+        /**
+         * Set of [key-value pairs](https://docs.stripe.com/api/metadata) that you can attach to an object. This can be useful for storing additional information about the object in a structured format. Individual keys can be unset by posting an empty value to them. All keys can be unset by posting an empty value to `metadata`.
+         */
+        metadata?: MetadataParam;
+        /**
+         * File containing regulatory reporting data for the decision. Required if you are subject to this [reporting requirement](https://docs.stripe.com/issuing/credit/report-required-regulatory-data-for-credit-decisions).
+         */
+        regulatory_reporting_file?: string;
+        /**
+         * If an exception to the usual underwriting criteria was made for this decision, details about the exception must be provided. Exceptions should only be granted in rare circumstances, in consultation with Stripe Compliance.
+         */
+        underwriting_exception?: CreditUnderwritingRecordReportDecisionParams.UnderwritingException;
+    }
+    namespace CreditUnderwritingRecordReportDecisionParams {
+        interface Decision {
+            /**
+             * Details about the application rejection.
+             */
+            application_rejected?: Decision.ApplicationRejected;
+            /**
+             * Details about the credit limit approved. An approved credit limit is required before you can set a `credit_limit_amount` in the [CreditPolicy API](https://docs.stripe.com/api/issuing/credit_policy/)
+             */
+            credit_limit_approved?: Decision.CreditLimitApproved;
+            /**
+             * Outcome of the decision.
+             */
+            type: Decision.Type;
+        }
+        interface UnderwritingException {
+            /**
+             * Written explanation for the exception.
+             */
+            explanation: string;
+            /**
+             * The decision before the exception was applied.
+             */
+            original_decision_type: UnderwritingException.OriginalDecisionType;
+        }
+        namespace Decision {
+            interface ApplicationRejected {
+                /**
+                 * Details about the `reasons.other` when present.
+                 */
+                reason_other_explanation?: string;
+                /**
+                 * List of reasons why the application was rejected, up to 4 reasons, in order of importance.
+                 */
+                reasons: Array<ApplicationRejected.Reason>;
+            }
+            interface CreditLimitApproved {
+                /**
+                 * The credit approved, in the currency of the account and [smallest currency unit](https://docs.stripe.com/currencies#zero-decimal).
+                 */
+                amount: number;
+                /**
+                 * The currency of the credit approved, will default to the Account's Issuing currency.
+                 */
+                currency?: string;
+            }
+            type Type = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'withdrawn_by_applicant';
+            namespace ApplicationRejected {
+                type Reason = 'applicant_is_not_beneficial_owner' | 'applicant_too_young' | 'application_is_not_beneficial_owner' | 'bankruptcy' | 'business_size_too_small' | 'current_account_tier_ineligible' | 'customer_already_exists' | 'customer_requested_account_closure' | 'debt_to_cash_balance_ratio_too_high' | 'debt_to_equity_ratio_too_high' | 'delinquent_credit_obligations' | 'dispute_rate_too_high' | 'duration_of_residence' | 'excessive_income_or_revenue_obligations' | 'expenses_to_cash_balance_ratio_too_high' | 'foreclosure_or_repossession' | 'frozen_file_at_credit_bureau' | 'garnishment_or_attachment' | 'government_loan_program_criteria' | 'high_concentration_of_clients' | 'high_risk_industry' | 'incomplete_application' | 'inconsistent_monthly_revenues' | 'insufficient_account_history_with_platform' | 'insufficient_bank_account_history' | 'insufficient_cash_balance' | 'insufficient_cash_flow' | 'insufficient_collateral' | 'insufficient_credit_experience' | 'insufficient_deposits' | 'insufficient_income' | 'insufficient_margin_ratio' | 'insufficient_operating_profit' | 'insufficient_period_in_operation' | 'insufficient_reserves' | 'insufficient_revenue' | 'insufficient_social_media_performance' | 'insufficient_time_in_network' | 'insufficient_trade_credit_insurance' | 'invalid_business_license' | 'lacking_cash_account' | 'late_payment_history_reported_to_bureau' | 'lien_collection_action_or_judgement' | 'negative_public_information' | 'no_credit_file' | 'other' | 'outside_supported_country' | 'outside_supported_state' | 'poor_payment_history_with_platform' | 'prior_or_current_legal_action' | 'prohibited_industry' | 'rate_of_cash_balance_fluctuation_too_high' | 'recent_inquiries_on_business_credit_report' | 'removal_of_bank_account_connection' | 'revenue_discrepancy' | 'runway_too_short' | 'suspected_fraud' | 'too_many_non_sufficient_funds_or_overdrafts' | 'unable_to_verify_address' | 'unable_to_verify_identity' | 'unable_to_verify_income_or_revenue' | 'unprofitable' | 'unsupportable_business_type';
+            }
+        }
+        namespace UnderwritingException {
+            type OriginalDecisionType = 'additional_information_requested' | 'application_rejected' | 'credit_limit_approved' | 'credit_limit_decreased' | 'credit_line_closed' | 'no_changes' | 'withdrawn_by_applicant';
+        }
+    }
+}