# Credit

Credit covers the live state of a business's credit with Rho - program
terms such as repayment cadence, cashback rate, and credit limit, plus a
point-in-time balance snapshot with available credit, settled and pending
balances, and repayment dates.

 - [GET /credit-programs](https://docs.rho.co/api/v1/openapi/credit/listcreditprograms.md): Returns every credit program of the authenticated business. A credit program describes the terms under which card spend is funded; use the balance operation for the current amount available, outstandi
 - [GET /credit-programs/{credit_program_id}](https://docs.rho.co/api/v1/openapi/credit/getcreditprogram.md): Returns one credit program of the authenticated business. The program carries credit terms and references its posting account; it is not a live balance snapshot.
 - [GET /credit-programs/{credit_program_id}/balance](https://docs.rho.co/api/v1/openapi/credit/getcreditbalance.md): Returns a point-in-time balance snapshot for a credit program: credit limit, available credit net of pending charges and outstanding balance, settled balance, pending charges, amount due, and repaymen