curl --request PATCH \
  --url https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id} \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "metadata": {},
  "past_due": {
    "amount": 123,
    "past_due_days": 123,
    "amount_breakdown": {
      "principal": 123,
      "interest": 123,
      "fees": 123
    }
  },
  "interest": {
    "effective_rate": "<string>",
    "rate": "<string>"
  },
  "details": {
    "expected_maturity_date": "2023-12-25",
    "term": {
      "length": 1
    },
    "repayment_details": {
      "expected_payment_frequency_interval_days": 365,
      "expected_number_of_payments": 1,
      "expected_first_payment_date": "2023-12-25",
      "expected_first_payment_amount": 1,
      "expected_last_payment_date": "2023-12-25",
      "expected_last_payment_amount": 1,
      "expected_payment_amount": 1
    }
  }
}
'

import requests

url = "https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}"

payload = {
    "metadata": {},
    "past_due": {
        "amount": 123,
        "past_due_days": 123,
        "amount_breakdown": {
            "principal": 123,
            "interest": 123,
            "fees": 123
        }
    },
    "interest": {
        "effective_rate": "<string>",
        "rate": "<string>"
    },
    "details": {
        "expected_maturity_date": "2023-12-25",
        "term": { "length": 1 },
        "repayment_details": {
            "expected_payment_frequency_interval_days": 365,
            "expected_number_of_payments": 1,
            "expected_first_payment_date": "2023-12-25",
            "expected_first_payment_amount": 1,
            "expected_last_payment_date": "2023-12-25",
            "expected_last_payment_amount": 1,
            "expected_payment_amount": 1
        }
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.patch(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'PATCH',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    metadata: {},
    past_due: {
      amount: 123,
      past_due_days: 123,
      amount_breakdown: {principal: 123, interest: 123, fees: 123}
    },
    interest: {effective_rate: '<string>', rate: '<string>'},
    details: {
      expected_maturity_date: '2023-12-25',
      term: {length: 1},
      repayment_details: {
        expected_payment_frequency_interval_days: 365,
        expected_number_of_payments: 1,
        expected_first_payment_date: '2023-12-25',
        expected_first_payment_amount: 1,
        expected_last_payment_date: '2023-12-25',
        expected_last_payment_amount: 1,
        expected_payment_amount: 1
      }
    }
  })
};

fetch('https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "PATCH",
  CURLOPT_POSTFIELDS => json_encode([
    'metadata' => [
        
    ],
    'past_due' => [
        'amount' => 123,
        'past_due_days' => 123,
        'amount_breakdown' => [
                'principal' => 123,
                'interest' => 123,
                'fees' => 123
        ]
    ],
    'interest' => [
        'effective_rate' => '<string>',
        'rate' => '<string>'
    ],
    'details' => [
        'expected_maturity_date' => '2023-12-25',
        'term' => [
                'length' => 1
        ],
        'repayment_details' => [
                'expected_payment_frequency_interval_days' => 365,
                'expected_number_of_payments' => 1,
                'expected_first_payment_date' => '2023-12-25',
                'expected_first_payment_amount' => 1,
                'expected_last_payment_date' => '2023-12-25',
                'expected_last_payment_amount' => 1,
                'expected_payment_amount' => 1
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}"

	payload := strings.NewReader("{\n  \"metadata\": {},\n  \"past_due\": {\n    \"amount\": 123,\n    \"past_due_days\": 123,\n    \"amount_breakdown\": {\n      \"principal\": 123,\n      \"interest\": 123,\n      \"fees\": 123\n    }\n  },\n  \"interest\": {\n    \"effective_rate\": \"<string>\",\n    \"rate\": \"<string>\"\n  },\n  \"details\": {\n    \"expected_maturity_date\": \"2023-12-25\",\n    \"term\": {\n      \"length\": 1\n    },\n    \"repayment_details\": {\n      \"expected_payment_frequency_interval_days\": 365,\n      \"expected_number_of_payments\": 1,\n      \"expected_first_payment_date\": \"2023-12-25\",\n      \"expected_first_payment_amount\": 1,\n      \"expected_last_payment_date\": \"2023-12-25\",\n      \"expected_last_payment_amount\": 1,\n      \"expected_payment_amount\": 1\n    }\n  }\n}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.patch("https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}")
  .header("Idempotency-Key", "<idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"metadata\": {},\n  \"past_due\": {\n    \"amount\": 123,\n    \"past_due_days\": 123,\n    \"amount_breakdown\": {\n      \"principal\": 123,\n      \"interest\": 123,\n      \"fees\": 123\n    }\n  },\n  \"interest\": {\n    \"effective_rate\": \"<string>\",\n    \"rate\": \"<string>\"\n  },\n  \"details\": {\n    \"expected_maturity_date\": \"2023-12-25\",\n    \"term\": {\n      \"length\": 1\n    },\n    \"repayment_details\": {\n      \"expected_payment_frequency_interval_days\": 365,\n      \"expected_number_of_payments\": 1,\n      \"expected_first_payment_date\": \"2023-12-25\",\n      \"expected_first_payment_amount\": 1,\n      \"expected_last_payment_date\": \"2023-12-25\",\n      \"expected_last_payment_amount\": 1,\n      \"expected_payment_amount\": 1\n    }\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.sandbox.lead.bank/v2/user_credit_balances/{user_credit_balance_id}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["Idempotency-Key"] = '<idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"metadata\": {},\n  \"past_due\": {\n    \"amount\": 123,\n    \"past_due_days\": 123,\n    \"amount_breakdown\": {\n      \"principal\": 123,\n      \"interest\": 123,\n      \"fees\": 123\n    }\n  },\n  \"interest\": {\n    \"effective_rate\": \"<string>\",\n    \"rate\": \"<string>\"\n  },\n  \"details\": {\n    \"expected_maturity_date\": \"2023-12-25\",\n    \"term\": {\n      \"length\": 1\n    },\n    \"repayment_details\": {\n      \"expected_payment_frequency_interval_days\": 365,\n      \"expected_number_of_payments\": 1,\n      \"expected_first_payment_date\": \"2023-12-25\",\n      \"expected_first_payment_amount\": 1,\n      \"expected_last_payment_date\": \"2023-12-25\",\n      \"expected_last_payment_amount\": 1,\n      \"expected_payment_amount\": 1\n    }\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "<string>",
  "user_account_id": "<string>",
  "name": "Personal Loan - Jane Smith",
  "status": "active",
  "status_reason": "active",
  "currency_code": "USD",
  "amount": 123,
  "amount_in_usd": 123,
  "amount_breakdown": {
    "principal": 123,
    "interest": 123,
    "fees": 123
  },
  "fees": {
    "accrued": 123
  },
  "rewards": {
    "amount": 123,
    "unit": "USD"
  },
  "dispute": {
    "amount": 123,
    "amount_breakdown": {
      "principal": 123,
      "interest": 123,
      "fees": 123
    }
  },
  "charge_off": {
    "amount": 123,
    "amount_breakdown": {
      "principal": 123,
      "interest": 123,
      "fees": 123
    }
  },
  "past_due": {
    "amount": 123,
    "past_due_days": 123,
    "amount_breakdown": {
      "principal": 123,
      "interest": 123,
      "fees": 123
    }
  },
  "interest": {
    "rate": "<string>",
    "effective_rate": "<string>",
    "effective_apr": "<string>"
  },
  "autopay_method": "ach",
  "details": {
    "structure": "revolving",
    "expected_maturity_date": "2023-12-25",
    "repayment_details": {
      "expected_payment_frequency": "business_daily",
      "expected_payment_frequency_interval_days": 123,
      "expected_number_of_payments": 123,
      "expected_first_payment_date": "2023-12-25",
      "expected_first_payment_amount": 123,
      "expected_last_payment_date": "2023-12-25",
      "expected_last_payment_amount": 123,
      "expected_payment_amount": 123
    },
    "max_funding_amount": 123,
    "term": {
      "length": 123,
      "unit": "days"
    },
    "expected_finance_charge_amount": 123
  },
  "metadata": {},
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z",
  "closed_at": "2023-11-07T05:31:56Z"
}

{
  "code": "request_malformed",
  "message": "The request is invalid and cannot be parsed by the server.",
  "errors": [
    {
      "code": "payload_invalid",
      "message": "The request body is not valid JSON."
    }
  ]
}

{
  "code": "authentication_missing",
  "message": "The request has no authentication credentials. Send your API token in the Authorization header.",
  "errors": [
    {
      "code": "authentication_missing",
      "message": "The Authorization header is missing. Send your API token as a bearer token.",
      "parameters": [
        "Authorization"
      ]
    }
  ]
}

{
  "code": "object_not_found",
  "message": "No object exists at the requested ID, or it is not visible to this caller."
}

{
  "code": "idempotency_key_in_use",
  "message": "A concurrent request using this Idempotency-Key is still in flight."
}

{
  "code": "parameters_invalid",
  "message": "One or more parameters are invalid.",
  "errors": [
    {
      "code": "parameter_immutable",
      "message": "currency_code cannot be changed after creation.",
      "parameters": [
        "currency_code"
      ]
    }
  ]
}

{
  "code": "rate_limit_exceeded",
  "message": "You have exceeded the rate limit for this endpoint. Retry with backoff."
}

{
  "code": "internal_server_error",
  "message": "An unexpected error occurred. Contact support with the Request-Id header value."
}

{
  "code": "endpoint_disabled",
  "message": "This endpoint is temporarily disabled. Retry after the interval given in the Retry-After header."
}

{
  "code": "gateway_timeout",
  "message": "An upstream system timed out. Retry with backoff."
}