The account attributes endpoint

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "type": {
      "value": "credit_card",
      "error": null,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "delinquency_flag": {
      "value": "on_time",
      "error": null,
      "metadata": null
    },
    "utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "available_credit_limit": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": false,
      "error": null,
      "metadata": null
    },
    "delinquency_worst_dpd_bucket": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "enrolled_in_direct_pay_previously": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "last_direct_pay_date": {
      "value": "2026-04-15T17:02:47.910Z",
      "error": null,
      "metadata": null
    },
    "last_direct_pay_amount": {
      "value": 12500,
      "error": null,
      "metadata": null
    },
    "number_of_direct_pay_in_12_months": {
      "value": 3,
      "error": null,
      "metadata": null
    },
    "next_payment_due_date": {
      "value": "2026-05-01",
      "error": null,
      "metadata": {
        "estimated": true
      }
    },
    "next_payment_minimum_amount": {
      "value": 3500,
      "error": null,
      "metadata": null
    },
    "estimated_apr": {
      "value": 21.5,
      "error": null,
      "metadata": {
        "estimated": true,
        "confidence": "high"
      }
    },
    "utilization_trend_30d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_trend_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": null
    },
    "utilization_delta_60d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_delta_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

The Account Attributes endpoint provides financial attributes for an individual Account. The attributes returned depend on the account’s liability type (credit card, personal loan, mortgage, auto loan, or student loan). The Account Attributes endpoint is available as a:

Type	Use-Case
`Product`	On-Demand view of an Account’s financial attributes.
`Subscription`	Continuous monitoring of an Account’s financial attributes with near real-time updates. Webhook Payload

To enroll an Account, create an attribute subscription via Create a Subscription. The subscription is available for credit card, personal loan, mortgage, auto loan, and student loan accounts.

Attribute Objects

Attribute Bundles

A bundle is a named group of attributes you can request together instead of listing each attribute individually. Request one or more bundles with the bundles field on Create Attributes or when enrolling an attribute Subscription. When you request a bundle, the response’s attributes object is scoped to that bundle’s members.

The `statement` bundle

The statement bundle returns the upcoming-statement attributes for an Account — the borrower’s next payment due date and the minimum amount due. It is available for all supported account types (credit card, personal loan, mortgage, auto loan, and student loan).

Attribute	Value Type	Description
`next_payment_due_date`	string	The Account’s next payment due date, as `YYYY-MM-DD`. If the reported due date has already passed, it is rolled forward to the next occurrence of that day of the month.
`next_payment_minimum_amount`	number	The minimum amount due for the upcoming statement, in cents. Returns `0` when the reported balance is zero or less.

Values sourced from credit report data — or carried forward from a prior statement — are estimates and are flagged with metadata.estimated set to true.

The Wallet Intelligence bundle

Bundle name: wallet_intelligence The bundle returns per-card wallet intelligence for an Account: where the card sits in the consumer’s wallet, how its utilization is trending, and what the card is for. The full set is available for credit card accounts. Other liability types return only the members they support: utilization for personal loans, auto loans, student loans and most other types. Mortgages return no members at all, because utilization is the only one they could carry and mortgages do not report that attribute — HELOC mortgages expose heloc_utilization instead, which is not part of this bundle. The bundle is also available on the Entity Attributes endpoint, where it returns the wallet-wide members instead of these per-card ones.

Attribute	Value Type	Description
`usage_pattern`	string	The usage pattern of the card. Possible values are `revolver`, `transactor`, `dormant`, and `closed`.
`utilization`	number	The utilization percentage of the account.
`utilization_bucket`	string	Point-in-time utilization band, evaluated as non-overlapping ranges: `over_limit` (above 100%), `near_limit` (above 95%, up to and including 100%), `high` (above 80%, up to and including 95%), `medium` (50% up to and including 80%), and `low` (below 50%).
`purchasing_power`	number	Available credit on the card, in cents. Uses source-backed available credit when present, returned unchanged, and otherwise falls back to credit limit minus balance. A negative value is returned only when that fallback applies to an over-limit card, or when the source itself reports one — a maxed-out card whose issuer reports `0` returns `0`. The same value as `available_credit_limit`, under the name Wallet Intelligence publishes.
`utilization_velocity_4_week`	string	Utilization trend over the trailing 4 weeks: `rapidly_increasing`, `increasing`, `stable`, `decreasing`, `rapidly_decreasing`, or `new_account` when the card is younger than the window’s cutoff.
`utilization_velocity_8_week`	string	8-week utilization trend (same enum as 4-week).
`utilization_velocity_12_week`	string	12-week utilization trend (same enum as 4-week).
`spend_concentration_4_week`	number	The card’s share of the wallet’s total balance, averaged over weekly samples of the trailing 4 weeks. A percentage to two decimal places — a card holding 41.37% of the wallet’s balance returns `41.37`.
`spend_concentration_8_week`	number	The same share averaged over the trailing 8 weeks.
`spend_concentration_12_week`	number	The same share averaged over the trailing 12 weeks.
`current_wallet_rank`	number	The card’s rank within the wallet by 4-week spend concentration, where `1` is the most concentrated.
`weeks_since_last_activity`	string	Weeks since the card’s balance last changed, in uniform 4-week bands: `under_4_wks`, `4_to_8_wks`, `8_to_12_wks`, `12_to_16_wks`, `16_to_20_wks`, `20_to_24_wks`, or `24_plus_wks`.
`recent_balance_spike_flag`	boolean	Whether the card’s balance recently jumped: the current balance is at least 1.5x a balance from 5–21 days earlier, and the increase is worth at least 5% of the credit limit.
`account_age`	number	Months since the card’s open date.
`brand_category`	string	Primary card benefit category: `travel`, `dining`, `groceries`, `cash_back_flat`, `cash_back_varied`, `retail`, `credit_builder`, or `other`.
`brand_tier`	string	Product tier inferred from annual fee, the presence of rewards, and network tier as a fallback: `lux`, `premium`, `plus`, `basic`, or `credit_builder`.
`optimal_charge_date`	string	Suggested next charge date for the card (`YYYY-MM-DD`). Coming soon.

Spend concentration and wallet rank are computed across every credit card Method holds for the same individual, not only the accounts your team has connected. A card is ranked only when at least half of its window’s weekly samples are available, and cards that cannot be measured are left out of the ranking rather than placed last. Both attributes return an insufficient data error for a card held jointly, since the wallet it belongs to is ambiguous.

weeks_since_last_activity infers a change from two balance observations that disagree. A card whose balance has not moved anywhere in its visible history returns an insufficient data error rather than a lower bound.

Wallet Intelligence is in active development. Contact your Method CSM for availability and early-access enrollment.

Available Attributes by Account Type

The attributes returned depend on the account’s liability type. Requesting attributes for an unsupported account type will return a 400 error.

Credit Card Accounts

Attribute	Value Type	Description
`type`	string	The liability type of the account.
`usage_pattern`	string	The usage pattern of the account (e.g., revolver, transactor, dormant).
`delinquency_flag`	string	Credit card delinquency status. Possible values are `on_time` and `overdue`.
`utilization`	number	The utilization percentage of the account.
`utilization_trend_30d`	string	Direction of utilization change over the last 30 days.
`utilization_trend_90d`	string	Direction of utilization change over the last 90 days.
`utilization_delta_30d`	number	Percentage point change in utilization over the last 30 days.
`utilization_delta_60d`	number	Percentage point change in utilization over the last 60 days.
`utilization_delta_90d`	number	Percentage point change in utilization over the last 90 days.
`available_credit_limit`	number	Available credit for the credit card account, in cents. Uses source-backed available credit when present and falls back to credit limit minus balance.
`any_delinquent_flag`	boolean	Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.
`serious_delinquent_flag`	boolean	Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
`delinquency_recently_cured_flag`	boolean	Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.
`delinquency_worst_dpd_bucket`	string	Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.
`delinquency_progression_flag`	boolean	Whether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
`delinquent_outcome`	string	Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`.
`estimated_apr`	number	Estimated purchase APR for the account, as a percentage.

Credit card accounts also return every wallet_intelligence member. They are listed once with the bundle rather than repeated here, and a request that supplies neither bundles nor requested_attributes returns them alongside the attributes above, as does any request naming them in requested_attributes.

Personal Loan Accounts

Attribute	Value Type	Description
`type`	string	The liability type of the account.
`utilization`	number	The utilization percentage of the account.
`utilization_trend_30d`	string	Direction of utilization change over the last 30 days.
`utilization_trend_90d`	string	Direction of utilization change over the last 90 days.
`utilization_delta_30d`	number	Percentage point change in utilization over the last 30 days.
`utilization_delta_60d`	number	Percentage point change in utilization over the last 60 days.
`utilization_delta_90d`	number	Percentage point change in utilization over the last 90 days.
`monthly_installments_estimate`	number	Estimated monthly installment payment, in cents.
`heloc_utilization`	number	Utilization percentage for HELOC personal loans. Returns insufficient data when the personal loan is not a HELOC.
`available_loan_amount`	number	Source-backed available loan amount for the personal loan, in cents.
`any_delinquent_flag`	boolean	Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.
`serious_delinquent_flag`	boolean	Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
`delinquency_recently_cured_flag`	boolean	Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.
`delinquency_worst_dpd_bucket`	string	Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.
`delinquency_progression_flag`	boolean	Whether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
`delinquent_outcome`	string	Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`.

Mortgage Accounts

Attribute	Value Type	Description
`type`	string	The liability type of the account.
`utilization_trend_30d`	string	Direction of utilization change over the last 30 days.
`utilization_trend_90d`	string	Direction of utilization change over the last 90 days.
`utilization_delta_30d`	number	Percentage point change in utilization over the last 30 days.
`utilization_delta_60d`	number	Percentage point change in utilization over the last 60 days.
`utilization_delta_90d`	number	Percentage point change in utilization over the last 90 days.
`heloc_utilization`	number	Utilization percentage for HELOC mortgages. Returns insufficient data when the mortgage is not a HELOC.
`any_delinquent_flag`	boolean	Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.
`serious_delinquent_flag`	boolean	Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
`delinquency_recently_cured_flag`	boolean	Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.
`delinquency_worst_dpd_bucket`	string	Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.
`delinquency_progression_flag`	boolean	Whether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
`delinquent_outcome`	string	Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`.

Auto Loan & Student Loan Accounts

Auto loans and student loans return the same set of attributes.

Attribute	Value Type	Description
`type`	string	The liability type of the account.
`utilization`	number	The utilization percentage of the account.
`utilization_trend_30d`	string	Direction of utilization change over the last 30 days.
`utilization_trend_90d`	string	Direction of utilization change over the last 90 days.
`utilization_delta_30d`	number	Percentage point change in utilization over the last 30 days.
`utilization_delta_60d`	number	Percentage point change in utilization over the last 60 days.
`utilization_delta_90d`	number	Percentage point change in utilization over the last 90 days.
`monthly_installments_estimate`	number	Estimated monthly installment payment, in cents.
`any_delinquent_flag`	boolean	Whether the account has a usable delinquency signal. Returns `false` only when Method has usable non-delinquent data.
`serious_delinquent_flag`	boolean	Whether the account has a serious delinquency signal, such as major delinquency, charge-off, or collection.
`delinquency_recently_cured_flag`	boolean	Whether bureau data indicates delinquency while a recent sync update indicates the account is on time.
`delinquency_worst_dpd_bucket`	string	Worst delinquent period bucket for the account. Possible values are `30_dpd`, `60_dpd`, `90_dpd`, and `120_plus_dpd`.
`delinquency_progression_flag`	boolean	Whether the account’s delinquent period worsened compared with a previous non-null period at least 7 days older, within a 90-day lookback.
`delinquent_outcome`	string	Account delinquent outcome. Possible values include `current`, `collections`, `charge_off`, `payment_agreement`, `chapter_13`, `chapter_7`, `bankruptcy`, `repossession`, `foreclosure`, and `wage_garnishment`.

Direct Pay Attributes

Direct Pay attributes are added to completed Account Attribute responses. They are not supported in v2 subscription requested_attributes.

Attribute	Value Type	Description
`enrolled_in_direct_pay_previously`	boolean	Whether Method has completed at least one Direct Pay payment to the same liability.
`last_direct_pay_date`	string	ISO timestamp for the most recent completed Direct Pay activity.
`last_direct_pay_amount`	number	Amount of the most recent completed Direct Pay payment, in cents.
`number_of_direct_pay_in_12_months`	number	Number of completed Direct Pay payments in the trailing 365 days.

Attribute Value Notes

Attribute values are returned in cents when the description says “in cents”.
usage_pattern returns revolver, transactor, dormant, or closed. Unknown or unavailable source values return insufficient_data.
delinquency_flag returns on_time or overdue. Unknown or unavailable source values return insufficient_data.
Boolean delinquency flags return false only when Method has usable non-delinquent data. If there is no usable signal, the attribute returns null with an insufficient data error.
delinquency_worst_dpd_bucket maps less_than_30 and 30 to 30_dpd, 60 to 60_dpd, 90 to 90_dpd, and 120 or over_120 to 120_plus_dpd.
estimated_apr is a percentage, not cents. It is computed for credit card accounts at supported issuers, and only for accounts that revolve a balance.
Direct Pay attributes count Method payments with a completed status of sent, posted, cashed, or settled. If no completed Direct Pay payment exists, enrolled_in_direct_pay_previously is false, number_of_direct_pay_in_12_months is 0, and the last payment date and amount return insufficient data.

Webhook Payload

The Webhook payload will contain the following information:

{
  "id": "string",
  "type": "account_attribute.create",
  "path": "/accounts/<acc_id>/attributes/<acc_attr_id>"
}

{
  "id": "acc_attr_cWBKqwVP87kim",
  "account_id": "acc_4m9amk4KFiaQX",
  "status": "completed",
  "attributes": {
    "type": {
      "value": "credit_card",
      "error": null,
      "metadata": null
    },
    "usage_pattern": {
      "value": "revolver",
      "error": null,
      "metadata": null
    },
    "delinquency_flag": {
      "value": "on_time",
      "error": null,
      "metadata": null
    },
    "utilization": {
      "value": 11.96,
      "error": null,
      "metadata": null
    },
    "available_credit_limit": {
      "value": 7131600,
      "error": null,
      "metadata": null
    },
    "any_delinquent_flag": {
      "value": false,
      "error": null,
      "metadata": null
    },
    "delinquency_worst_dpd_bucket": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "enrolled_in_direct_pay_previously": {
      "value": true,
      "error": null,
      "metadata": null
    },
    "last_direct_pay_date": {
      "value": "2026-04-15T17:02:47.910Z",
      "error": null,
      "metadata": null
    },
    "last_direct_pay_amount": {
      "value": 12500,
      "error": null,
      "metadata": null
    },
    "number_of_direct_pay_in_12_months": {
      "value": 3,
      "error": null,
      "metadata": null
    },
    "next_payment_due_date": {
      "value": "2026-05-01",
      "error": null,
      "metadata": {
        "estimated": true
      }
    },
    "next_payment_minimum_amount": {
      "value": 3500,
      "error": null,
      "metadata": null
    },
    "estimated_apr": {
      "value": 21.5,
      "error": null,
      "metadata": {
        "estimated": true,
        "confidence": "high"
      }
    },
    "utilization_trend_30d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_trend_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_delta_30d": {
      "value": -3.28,
      "error": null,
      "metadata": null
    },
    "utilization_delta_60d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    },
    "utilization_delta_90d": {
      "value": null,
      "error": {
        "type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "sub_type": "ACCOUNT_ATTRIBUTE_INSUFFICIENT_DATA",
        "code": 28001,
        "message": "Insufficient data to compute this account attribute."
      },
      "metadata": null
    }
  },
  "error": null,
  "created_at": "2026-04-09T17:02:47.910Z",
  "updated_at": "2026-04-09T17:04:35.220Z"
}

API Reference

Entities

Accounts

Wallet

Payments

Files

Opal

Elements

Events

Supporting Endpoints

The account attributes endpoint

Attribute Objects

Attribute Bundles

The `statement` bundle

The Wallet Intelligence bundle

Available Attributes by Account Type

Credit Card Accounts

Personal Loan Accounts

Mortgage Accounts

Auto Loan & Student Loan Accounts

Direct Pay Attributes

Attribute Value Notes

Webhook Payload

​Attribute Objects

​Attribute Bundles

​The statement bundle

​The Wallet Intelligence bundle

​Available Attributes by Account Type

​Credit Card Accounts

​Personal Loan Accounts

​Mortgage Accounts

​Auto Loan & Student Loan Accounts

​Direct Pay Attributes

​Attribute Value Notes

​Webhook Payload

Attribute Objects

Attribute Bundles

The `statement` bundle

The Wallet Intelligence bundle

Available Attributes by Account Type

Credit Card Accounts

Personal Loan Accounts

Mortgage Accounts

Auto Loan & Student Loan Accounts

Direct Pay Attributes

Attribute Value Notes

Webhook Payload