• Credit

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  • Credit

    US flag

Jane, a salaried professional, holds a credit card to manage her expenses. The credit card is offered by XYZ fintech in partnership with ABC Bank.
Jane lost her job as her company was shut down due to heavy losses. She has to cut unnecessary expenses and manage her monthly expenditures till she finds another job. She decided to pay the closing balance on the credit card and then, close the card.
Jane wrote an email to XYZ fintech customer support having the following details to request the closure of her credit card account:

In this cookbook, we will see how the Virtual Bank Operator (VBO) of fintech can close the card, as requested by Jane.

The VBO initiates to close the account using the account ID of Jane.

cURL sample
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curl --location --request POST 'http://ruby.internal.mum1-pp.zetaapps.in/ruby/tenants/140793/products/1683010215313818563/accounts/0c9b3668-6cc3-4a23-82d8-2d43a36d3ba7/close' \
--header 'Content-Type: application/json' \
--data-raw '{
	"requestID": "973yr823yhfhe08",
    "closureReason": "Account close request"
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JSON sample
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    "tags": "tag://ledgerId/6953694978516545727",
    "statementPreference": {
        "id": "6eae61eb-2b80-44d1-999e-c64d4f4d8706",
        "cycleID": 6953694978516546000,
        "cycleCode": "6953694978516545727",
        "dispatchModes": [
        "attributes": {
            "key": "value"
    "currency": "INR",
    "requestID": "16280184-bd0b-4181-9674-126dd5f072bc",
    "updatedAt": "2021-07-28T09:21:16.578697",
    "shortName": "Zeta",
    "openDate": "2021-07-29",
    "closeDate": "2021-07-29",
    "statusMap": {
        "dormancy": {
            "status": "DORMANT",
            "effectiveFrom": "2021-01-30 08:30:00",
            "modifiedAt": "2021-01-30 08:30:00",
            "description": "This is the dormancy status for an account",
            "reasonCode": "No transactions done for this account",
            "type": "Account Holder",
            "createdAt": "2021-01-30 08:30:00"
    "accountTitle": "Zeta",
    "accountHolderId": "6eae61eb-2b80-44d1-999e-c64d4f4d8706",
    "name": "Zeta User",
    "vectors": [
    "flags": {
        "dontPostInterest": "true"
    "createdAt": "2021-07-28T09:21:16.578697",
    "ledgerId": "5941927218099018252",
    "productId": "1683010215313818563",
    "Id": "f6e7fec1-c8ec-436c-9847-a7fe37bc3e2f"
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