Daily balance file

card balance file this file provides the ending balance and status for each issued card at the end of each business day this file supports account reconciliation, negative balance monitoring, and charge off reporting it also supports other cross river operational and compliance oversight functions daily balance files are only required for cross river held funds and external ledger file delivery and format refer here for file delivery docid\ i4b iqavcqfp9m1611twc and file format docid\ i4b iqavcqfp9m1611twc details sample card balance file the following file contains sample data if you have any questions, please be in touch with your onboarding team explanation of fields field data type description required/conditional unique program id varchar(12) processors planning to have different programs should provide an identifier that we would map for settlement and reconciliation required product id varchar(12 if a given program has more than one type of card, the processor should include a product identifier, e g , 1001 = credit card, 1002 = commercial prepaid, 1003 = platinum, etc required user id varchar(50) identifier given to each unique customer or cardholder required card id varchar(50) identifier given to each unique card issued to an account required card status varchar(20) card status at the prior day’s cut off time required status change date datetime (yyyy mm dd hh\ mm\ ss sss) date and time of the most recent status change of the card required current balance decimal(18,4) card balance, excluding pending authorizations, at the prior day’s cut off time required available balance decimal(18,4) card balance, including pending authorizations, at the prior day’s cut off time required created date datetime (yyyy mm dd hh\ mm\ ss sss) date and time when the card was first created required activation date datetime (yyyy mm dd hh\ mm\ ss sss) date and time when the card was first activated conditional blank if card is still in 'issued' status required once card transitions to 'active' last transaction date datetime (yyyy mm dd hh\ mm\ ss sss) date and time when the card last had a balance affecting transaction conditional blank if the card has not had a transaction negative balance date datetime (yyyy mm dd hh\ mm\ ss sss) date and time of the most recent time the card had a negative balance conditional blank if the card has not had a negative balance closed date datetime (yyyy mm dd hh\ mm\ ss sss) date and time when the card was permanently closed conditional blank unless card is 'closed' charge off amount decimal(18,4) balance of the card at the time of closing following a chargeoff conditional blank if account not charged off populated only when delinquency bucket = 'charged off' expected values for card status status explanation issued card was issued but it yet to be activated active card has been activated and is open to transact suspended card temporarily suspended by cardholder or program manager fraud blocked card blocked by program manager due to fraud closed card permanently closed (end state)