> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Unsecured Charge Card

> A credit line with no collateral, repaid in full each billing cycle. Suits affluent consumers, travel and entertainment, and business spend.

An unsecured charge card offers a credit line without requiring collateral. Like the Secured Smart Card it is a charge product — the balance must be paid in full by the statement due date and cannot roll over — so there are no interest charges. Unlike the secured version, it requires underwriting and a credit decision.

Charge cards may not have a pre-set credit limit; spending power can vary with the cardholder's spending habits, payment history, and credit record. Timely payments can improve a cardholder's credit; missed payments can damage it.

Charge cards can be issued to consumers or businesses.

<Note>
  Your organization needs specific privileges to issue charge cards. Contact your Synctera representative before planning one.
</Note>

## Step 1 — Create and Verify the Customer

Complete the person or business setup, including KYC/KYB. See [Create a Personal Customer](/v2/docs/create-a-personal-customer), [Create a Business](/v2/docs/create-a-business), and [KYC/KYB Verification](/v2/docs/kyc-kyb-verification).

## Step 2 — Record Disclosures

At the time the application is created:

1. E-Sign
2. Privacy Notice
3. USA Patriot Act Notice
4. Owner Certification (business customers)

Prior to the account being created:

1. Account Terms & Conditions
2. ACH Authorization

See [Record Disclosure Acceptance](/v2/docs/record-disclosure-acceptance).

## Step 3 — Create the Application

A `CHARGE_UNSECURED` account cannot be created until the customer applies through the Application API. See [Credit Applications](/v2/docs/credit-applications-guide).

## Step 4 — Handle Adverse Actions

If the application is denied, adverse action reasons must be sent to personal customers, and the adverse action ID included in the application when its status is marked `CREDIT_DENIED`. This is optional for business customers.

See [Adverse Actions](/v2/docs/adverse-actions-guide).

## Step 5 — Create the Account Template and Account

Set up an account template specific to unsecured charge, then create the `CHARGE_UNSECURED` account from it.

See [Unsecured Charge Accounts](/v2/docs/unsecured-charge-accounts-guide).

## Step 6 — Issue the Card

Issue against the charge account with `"type": "CREDIT"`. Physical and virtual cards are both supported.

See [Card Issuance and Management](/v2/docs/card-issuance-management#issue-a-card).

## Step 7 — Issue Statements

Charge accounts are billed on a cycle, so statements drive repayment. See [Statements](/v2/docs/statements-guide).