Use /accountAndCards to get information about an account and all its associated cards. Detailed card information is provided through this endpoint, including:

• Card emboss records and emboss status per card
• Card metadata
• Card status
• PIN fail count and date

This endpoint will also return a list of accounts linked to the account specified. For secured-credit groups, the list is role-aware: collateral and primary-cardholder views include all authorized-user accounts, while an authorized-user view includes only the collateral and primary-cardholder accounts. Secured-credit responses also include structural relationship metadata so consumers do not need to infer roles from primary-account links.

Eligible active accounts include the latest interest observed for the current calendar month. Closed and archived accounts are not refreshed; when a stored observation exists, the endpoint returns that last saved snapshot. The interest payout is the rounded amount reported by the account's provider, including carryover, already paid or payable for the period; APYE applies to the returned period; interest YTD reflects the calendar year current when the observation is made. Periods may be partial, and observedAt records successful retrieval and validation. For more info on account features, secondary accounts, and card/account statuses, see Account and Card Features, Linked Users and Linked Accounts and Account and Card Statuses.