Manage cards
The Cards section stores information about all issued cards and their associations with bank accounts, loans, and related cards. It provides a unified workspace for financial institutions to handle customer cards alongside bank accounts, loans, and insurance policies.
Card records are created automatically during the final stage of an application flow, once the corresponding product application is approved. Creatio populates the record fields using data from the application parameters.
Card profile
Field | Description |
|---|---|
Status | Current status of the card, for example, "Active," "Issued," "Closed." |
Masked number | The card number in masked format, for example, **** **** **** 1111. The full number is stored securely in the "Full number" object column and cannot be entered manually. |
Category | Card category (e.g., Visa Electron, MasterCard Gold). Linked with the Payment system field. |
Type | Whether the card is "Credit" or "Debit." Changes the layout and available fields. |
Contact | Customer affiliated with this card. |
Legal entity | Company associated with the customer. |
Cardholder | Person who physically holds the card. |
Primary | Marks the card as primary for a linked bank account or loan. |
Product profile
Field | Description |
|---|---|
Product | Financial product activated using the card. |
Contract | Contract under which the card was issued. |
Branch | Branch responsible for card servicing. |
General card information
Field | Description |
|---|---|
Issue / Expiration date | Card issue and expiration dates. |
Multicurrency | Whether multicurrency operations are supported. |
PayPass / PayWave | Whether the card supports contactless payments. |
End date | When the card was locked or closed. Available only when card status is "Locked" or "Closed". |
Reason for lock / closure | Required when status is "Locked" or "Closed". |
Transactions
The Transactions expanded list displays all transactions associated with the selected card. Each record includes transaction number, status, amount, currency, balance, transaction date, write-off date, and comments.
Linked cards
Use the Linked cards expanded list to associate supplementary or related cards belonging with the same customer or account.
Debit cards details
When Type field is set to "Debit", the card page shows additional data related to the linked bank account.
Field | Description |
|---|---|
Primary checking/saving account | Which checking or saving account is considered primary for this debit card. |
Bank account balance | Current balance of the primary checking/saving bank account. This field originates from the linked bank account record. Updating the balance in the bank account automatically updates it on the card page. |
Currency | Card currency linked to the associated bank account. |
ATM withdrawal limit | Maximum amount that can be withdrawn daily from ATMs. |
POS limit | Maximum allowed POS transaction amount. |
Daily POS limit | Daily maximum amount for POS transactions. |
Transaction channel permissions | Which transaction channels are permitted for this debit card (e.g., ATM, POS, online transactions). |
Overdraft protection | Whether overdraft protection is enabled on the linked bank account. |
Additional debit card details displayed on the page:
- "Balance" metric: displays the current available balance on the debit card. It is based on the actual balance of the primary checking/savings account.
- Linked bank accounts expanded list: displays a list of bank accounts connected to this card.
Credit cards details
When Type field is set to "Credit", the page displays additional fields related to loan tracking and rewards.
Credit card details field group
Field | Description |
|---|---|
Linked loan | The loan record associated with this credit card. Any updates to loan balances, limits, or repayment details are reflected on the credit card page to ensure data consistency. |
Loan current balance | Outstanding loan amount tied to this card. |
Currency | Card currency linked to the associated bank account. |
Credit limit | Maximum allowed credit amount. |
Available credit | Remaining usable credit balance. |
Grace period | Number of days before interest is charged on purchases. |
Purchase APR | Annual percentage rate applied to purchase transactions. |
Cash advance APR | Annual percentage rate for cash advances. |
Rewards summary field group
Field | Description |
|---|---|
Program type | Type of reward system (e.g., Points, Cashback). |
Program name | Name of the rewards or loyalty program. |
Total earned points | Number of points earned by the cardholder. |
Redeemed points | Number of points redeemed to date. |
Available points | Calculated as Total Earned − Redeemed. Indicates remaining reward points. |
Points expiration date | Indicates the date on which the earned reward points expire. |
Additional credit card details displayed on the page:
"Debt" metric - displays the total outstanding debt on the credit card. It is based on the linked loan's current balance.
As a result, users can manage debit and credit card records, view real-time balances, and monitor transactions, linked accounts, and rewards programs.
Changes made in card records are synchronized with corresponding bank account and loan data, ensuring consistency across financial products.