--- title: Servicing data slug: concepts/cards/reporting-and-compliance/servicing-data description: This page specifies daily CSV reporting requirements for active credit‑card accounts, detailing strict formats, SFTP delivery, and required data fields. docTags: createdAt: 2026-05-29T13:52:23.289Z --- ## Daily servicing report Cross River requires that a Cards Issuer, or the Servicer used by the Cards Issuer, to provide daily all servicing events. The servicing report contains a record for every Credit Card every day. It is a snapshot of each Credit Card. The headers are the same as those listed in the data dictionary. The table below is the reference information for servicing. ## File conventions - File format: CSV. - File transport mechanism: SFTP (SSH; supported public key algorithms RSA, sha2 521, sha2 384, sha 256) - File Name: Platform\_ServicingTape\_yyyymmdd.csv, where yyyymmdd is the date of file generation. - Platofrm: Please check with the data team [dataengineers@crossriver.com](mailto\:dataengineers@crossriver.com) for the value to to be used in the filename - File location: \Prod\Cards\CardServicingTapes\Platform\_ServicingTape\_yyyymmdd.csv - Report date: should match the date of the filename - Report data: should be from the day prior to the report date ## Dictionary updates | Attributes | Action | Date | | ---------------- | ------ | ------------ | | Introducing V1.0 | Added | May 29, 2026 | ## Servicing tape standard V1 | **FieldName** | **Data Type** | **Description** | | ----------------------------------------- | ------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | Servicer | String | Name of Servicer | | **Borrower Information** |   |   | | Report\_Date | Date | Snap shot date +1 | | Platform | String | Client company name | | Account\_ID | String | Unique identifier for the credit card account | | Card\_Type | String | Master,Visa,Discover, AMEX | | Cash\_Back\_Reward | String | Yes/No | | Original\_Credit\_Limit | Decimal(13,2) | Maximum credit line authorized | | Current\_Credit\_Limit | Decimal(13,2) | Maximum credit line authorized currently | | Last\_Credit\_Limit\_Change\_Date | Date | Date of Last Credit Limit Change | | Available\_Credit | Decimal(13,2) | Remaining credit available (limit minus balance) | | Credit\_Utilization\_Ratio | Decimal(1,5) e.g. 0.94567 | Percentage of credit limit currently used | | Cash\_Advance\_Balance | Decimal(13,2) | Outstanding cash advance amount | | Purchase\_Balance | Decimal(13,2) | Outstanding purchase amount | | Balance\_Transfer\_Amount | Decimal(13,2) | Outstanding balance from transfers | | Promotional\_Balance | Decimal(13,2) | Balance under a promotional rate (e.g., 0% APR) | | Promotional\_Months | integer | Promotional period in month | | Cycle\_Date | Date | Billing cycle close date | | Account\_Open\_Date | Date | Date the account was opened | | Account\_Status | String | Card status: Active, not activated, closed, frozen, inactive, dormant, etc. | | Current\_Owner | String | Which investor owns the account currently | | Prior\_Owner | String | Which investor owned the account before the current owner | | Current\_FICO | integer | Most recent credit score on file (IF credit score gets updated quarterly, we want to see that score) | | Current\_Vantage | integer | Most recent credit score on file (IF credit score gets updated quarterly, we want to see that score) | | FICO\_Score\_Update\_Date | Date | Date of Score updated | | Vantage\_Score\_Update\_Date | Date | Date of Score updated | |   |   |   | | **Borrower Payments and Accruals** |   |   | | Current\_Balance | Decimal(13,2) | Outstanding Principal balance at time of reporting | | Statement\_Balance | Decimal(13,2) | Balance as of the last statement date | | Last\_Statement\_Date | Date | Last Statement Date | | Minimum\_Payment\_Due |   | Minimum required monthly payment | | Next\_Payment\_Due\_Date |   | Date by which payment must be received | | Last\_Payment\_Amount | Decimal(13,2) | Amount of the most recent payment | | Last\_Payment\_Received\_Date | Date | Last Payment Received Date (not due date) | | Total\_Payment | Decimal(13,2) | The total amount of payments towards card | | Total\_Payment\_LTD | Decimal(13,2) | LTD amount of payments towards card | | Interest\_Payment | Decimal(13,2) | Periodic (within a payment cycle) | | Interest\_Payment\_LTD | Decimal(13,2) | LTD interest payments | | Purchase\_Payment | Decimal(13,2) | The payment towards reducing purchase balances  | | Purchase\_Payment\_LTD | Decimal(13,2) | LTD payments towards purchase balances | | Fee\_Payment | Decimal(13,2) | Periodic (within a payment cycle) | | Fee\_Payment\_LTD | Decimal(13,2) | LTD fee payments | | Payment\_Method | String | ACH, check, online, auto-pay, phone, etc. | | Amount\_Past\_Due | Decimal(13,2) | Total overdue amount, if any | | Over\_Limit\_Amount | Decimal(13,2) | Amount exceeding credit limit (if applicable) | | Accrued\_Interest | Decimal(13,2) | Interest accrued since on boarding or last date paid | |   |   |   | | **Delinquency Data** |   |   | | Delinquency\_Status | String | Current, delinquent, charged-off, paid/closed/BK/Deceased/debt sale/Fraud, Settlement in Process, settlement closed | | Grace\_Period | integer | Number of days before interest accrues on new purchases | | Revolving\_Status | String | Less than minimum, Minimum, statement balance, Partial, overpay | | Days\_Past\_Due | integer | Number of days the account is past due | | Charged\_Off\_Date | Date | Date the account was charged off (roll forward in daily report) | | Charged\_Off\_Amount | Decimal(13,2) | Balance at time of charge-off | | Collections\_Status | String | Whether the account has been sent to collections | | Collection\_Agency\_ID | String | Identifier for the assigned collection entity | |   |   |   | | **Modification** |   |   | | Modification\_Type | String | Rate reduction, payment plan, settlement, Deferred Payment (forbearance/Hardship), any collection program, etc. | | Modification\_Start\_Date | Date | Date the modification is implemented | | Modification\_End\_Date | Date | Date the modification is end | | Modification\_Status | String | Active, completed, cancelled, not completed | | Modification\_APR | Decimal(13,4) E.g. 0.2378 | Interest rate for modification | | Deferred\_months | integer | Duration of the modification agreement | | Hardship\_Program\_Indicator | String | Whether enrolled in issuer's hardship program | | Modification\_Reason\_Code | String | Job loss, medical, disaster, military, etc. | | Settlement\_Amount | Decimal(13,2) | Agreed-upon payoff amount (if applicable) | | Settlement\_Date | Date | Date settlement was agreed or completed | | Debt\_Management\_Plan\_Indicator | String | Whether enrolled via credit counseling agency | | SCRA | String | Y/N  Servicemembers Civil Relief Act, a U.S. federal law that provides a wide range of legal and financial protections to individuals entering, called to, or serving on active duty in the military. Limits interest rates to 6% on debts incurred before active duty (credit cards, mortgages, auto loans, etc.) | | SCRA\_Start\_Date | Date | SCRA start date | | SCRA\_End\_Date | Date | SCRA End Date | |   |   |   | | **Interest & Fee Data** |   |   | | Introductory\_APR | Decimal(13,4) E.g. 0.2378 | Promotional rate | | Introductory\_APR\_Expiration\_Date | Date | Promotional rate expiration date | | Purchase\_APR | Decimal(13,4) E.g. 0.2378 | Current interest rate on purchases | | Cash\_Advance\_APR | Decimal(13,4) E.g. 0.2378 | Interest rate on cash advances | | Balance\_Transfer\_APR | Decimal(13,4) E.g. 0.2378 | Interest rate on balance transfers | | Penalty\_APR | Decimal(13,4) E.g. 0.2378 | Rate applied after delinquency triggers | | Interest\_Assessed\_(Monthly) | Decimal(13,2) | Total interest assessed in current period | | Fees\_Assessed\_(Monthly) | Decimal(13,2) | Late fees, over-limit fees, annual fees, etc. | | Late\_Fee\_Assessed | Decimal(13,2) | Fee for missed payment | | Over\_Limit\_Fee\_Assessed | Decimal(13,2) | Fee for exceeding credit limit | | Foreign\_Transaction\_Fee\_Assessed | Decimal(13,2) | Fee for international purchases | | Balance\_Transfer\_Fee\_Assessed | Decimal(13,2) | Fee for transferring a balance | | NSF\_Fee\_Assessed | Decimal(13,2) | Fee for a payment was returned (NSF) | | Current\_Annual\_Fee\_Assessed | Decimal(13,2) | Yearly fee for the card | |   |   |   | | **Reward** |   |   | | Rewards\_Program\_Type | String | Points, Miles, Cash Back | | Cash\_Reward\_Balance\_LTD | Decimal(13,2) | LTD $ | | Rewards\_Points\_Balance\_LTD | Decimal(13,2) | Points LTD # Integer | | Rewards\_Miles\_Balance\_LTD | Decimal(13,2) | Miles LTD # | | Redemption\_Cash\_Reward\_Balance\_LTD | Decimal(13,2) | Redemptions LTD $ | | Redemption\_Rewards\_Points\_Balance\_LTD | Decimal(13,2) | Redemptions LTD # | | Redemption\_Rewards\_Miles\_Balance\_LTD | Decimal(13,2) | Redemptions LTD # | |   |   |   | | **Risk & Fraud/BK/Deceased/Dispute** |   |   | | Fraud | String | Yes/No Flag for suspicious activity | | Fraud\_Status | String | Confirmed, Suspicious, Not resolved, Cleared | | Dispute\_Status | String | Open, Resolved, Denied  | | Dispute\_Flag | String | Whether the transaction has been disputed | | Dispute\_Amount | Decimal(13,2) | Dispute Amount | | Bankruptcy | String | Yes/no | | Bankruptcy\_Filing\_Date | Date | Bankruptcy filing date | | Bankruptcy\_Chapter | String | 11 or 7 or 13 | | Deceased | String | Yes/no | | Deceased\_Date | Date | Deceased Date | |   |   |   | | **ExtraFileds** | **JSON** | **Any info not covered above. ** | | Debt\_Sold\_Flag | String |   | | Debt\_Sold\_Date | Date |   | | Receivable\_Sold\_Date | Date |   | | Receivables\_sold | Decimal (13,2) | Receivables sold to trusts/investors | | Card\_Expiration\_Date | Date | Date of card expiration | | Account\_Closure\_Reason | String | Why the account was closed (voluntary, involuntary, fraud, etc.) | | Account\_closure\_date | Date | Date of Account closed |