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Intuit Credit Karma 图标

Intuit Credit Karma 数据 API

Intuit Inc. · 信贷

在 Google Play 中打开

Intuit Credit Karma 是 Intuit 面向美国消费者的免费个人理财应用，提供征信局信用分、信用监控，以及信用卡与个人贷款报价市场。Intuit 于 2020 年收购 Credit Karma 后，Android 客户端（Play 标题仍为 Credit Karma）仍是入口：首页展示 TransUnion 与 Equifax 的 VantageScore 3.0，另有信用因子与信用变动页、带预审/预批报价的卡贷市场、带 ATM 地图的 CK Money 支票与储蓄账户、TurboTax 衔接、身份盗用监控和 Karma Assistant。它与 Experian、NerdWallet、LendingTree、WalletHub、Credit Sesame 争夺同一批想免费用分、买卡贷、又不想付信用监控订阅的美国用户。登录走 Intuit 身份账号（邮箱密码、通行密钥或一次性验证码），设备上可开生物识别解锁。

TransUnion 与 Equifax 的 VantageScore 落在 score 与 updatedAtTimestamp，按征信局的历史是 timestamp/value 点，因子行带 utilizationPercentage、impact 与 type。信用健康变动行再补 header、rating 与 snippet，标出动过的那条账户。Intuit IDX 已关联账户补充 accountURN、accountBalance.value 与 providerName，交易页列出 id、amount、merchant.name 与 category.name。

经常性识别暴露 recurringId、merchantName、nextDate 与 isIncome；账单日历返回 minAmountDue、paymentStatus 与 recurringID。净资产与现金流界面复用同一套余额。个人贷款卡片暴露 approvalOdds、apr、loanAmount 与 monthlyPayment；预批货架用 preapproved / prequalified 和 providerId 打标。CK Money 支票账户返回 accountId、借记卡 cardId，以及远程存款的 ckCheckDepositSessionId 与剩余 depositLimits。还款模拟行补充 interestSaved 与 originalPayOffDate；完成的远程存款返回 receiptNumber，钱包推送携带借记卡 lastFour 与 paymentNetwork。贷款机构、家庭记账应用与报价匹配工具用这些对象盯分数变动、核对使用率、排账单、过滤预审条款——openData Studio 把它们变成可调用的开放数据。

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

  • 签发 Intuit 访问令牌

    POST /v1/identity/session-token osint

    把已登录的 Intuit 身份会话换成短期 accessToken，作为后续 GraphQL 调用的 Bearer。

    认证方式： 会话令牌调用签发的 Authorization: Bearer accessToken，另附 intuit_tid / intuit_userid / intuit_deviceid。

    • accessToken
    • message
    POST /v1/identity/session-token HTTP/1.1
intuit_tid: 7c2a9e1b-4d55-4a1e-9c10-aa11bb22cc33
intuit_deviceid: android-ck-8f21
Content-Type: application/json

{"operationName": "SessionToken", "query": "query SessionToken($input: SessionTokenInput) { session { token(input: $input) { ... on SessionTokenSuccess { accessToken } ... on SessionError { message } } } }", "variables": {"input": {"offering": "consumer-mobile"}}}
    {"data": {"session": {"token": {"accessToken": "<access_token>"}}}}

  • 信用中心分数

    POST /v1/credit/scores openfinance

    加载 Credit 页中心：按征信局返回 Equifax 与 TransUnion 的分数（score、rating、updatedAtTimestamp、delta）及信用因子卡片。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • score
    • rating
    • updatedAtTimestamp
    • delta
    • factors
    • title
    • impact
    • color
    POST /v1/credit/scores HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CreditScores", "query": "query CreditScores { creditHub { equifax { creditScore { score rating updatedAtTimestamp delta { value } } creditFactors { factors { title impact { text } color } } } transunion { creditScore { score rating updatedAtTimestamp } } } }"}
    {"data": {"creditHub": {"equifax": {"creditScore": {"score": 734, "rating": "Good", "updatedAtTimestamp": "2026-10-12T14:03:11Z", "delta": {"value": 6}}, "creditFactors": {"factors": [{"title": "Credit card use", "impact": {"text": "Low"}, "color": "GREEN"}]}}, "transunion": {"creditScore": {"score": 741, "rating": "Good", "updatedAtTimestamp": "2026-10-12T14:03:11Z"}}}}}

  • 征信局分数历史

    POST /v1/credit/scores/history openfinance

    返回 Equifax 与 TransUnion 的分数时间序列（timestamp/value 点），供模拟器和历史曲线使用。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • bureau
    • scores
    • timestamp
    • value
    POST /v1/credit/scores/history HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "ScoreHistory", "query": "query ScoreHistory { creditHistory { equifax { bureau scores { timestamp value } } transunion { bureau scores { timestamp value } } } }"}
    {"data": {"creditHistory": {"equifax": {"bureau": "EQUIFAX", "scores": [{"timestamp": "2026-10-12T00:00:00Z", "value": 734}]}, "transunion": {"bureau": "TRANSUNION", "scores": [{"timestamp": "2026-10-12T00:00:00Z", "value": 741}]}}}}

  • 拉取最新征信报告

    POST /v1/credit/reports/refresh openfinance

    从信用分刷新控件触发一次新的 Equifax 与 TransUnion 报告拉取（按征信局标志与 toastMessage）。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • equifax
    • transunion
    • toastMessage
    POST /v1/credit/reports/refresh HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "ReportRefresh", "query": "mutation ReportRefresh { credit { refreshReports { equifax transunion toastMessage } } }"}
    {"data": {"credit": {"refreshReports": {"equifax": true, "transunion": true, "toastMessage": "Your scores were updated."}}}}

  • 信用因子

    POST /v1/credit/factors openfinance

    返回 TransUnion 信用因子行（额度使用率、还款历史、账龄等），含 type、value、impact、rating 及相关 accountId。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • displayName
    • type
    • value
    • impact
    • rating
    • aggregateData
    • accountId
    POST /v1/credit/factors HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CreditFactors", "query": "query CreditFactors { creditFactors { transunion { displayName type value impact rating aggregateData { type value } accounts { items { accountId } } } } }"}
    {"data": {"creditFactors": {"transunion": [{"displayName": "Credit card use", "type": "UTILIZATION", "value": "18%", "impact": "LOW", "rating": "GREAT", "aggregateData": {"type": "UTILIZATION", "value": "18"}, "accounts": {"items": [{"accountId": "tu-cc-4412"}]}}]}}}

  • 信用卡账户详情

    POST /v1/credit/accounts/details openbanking

    从账户总览读取一条信用账户：指定征信局 credit-card accountId 的状态、是否开放、类别与 utilizationPercentage。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • accountId
    • accountStanding
    • categoryType
    • hasLimit
    • isOpen
    • utilizationPercentage
    POST /v1/credit/accounts/details HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "AccountDetails", "query": "query AccountDetails($accountId: String!, $bureau: String!) { credit { accountDetails { creditCard(accountId: $accountId, bureau: $bureau) { accountId accountStanding categoryType hasLimit isOpen utilizationPercentage } } } }", "variables": {"accountId": "tu-cc-4412", "bureau": "TRANSUNION"}}
    {"data": {"credit": {"accountDetails": {"creditCard": {"accountId": "tu-cc-4412", "accountStanding": "OPEN_CURRENT", "categoryType": "CREDIT_CARD", "hasLimit": true, "isOpen": true, "utilizationPercentage": 18}}}}}

  • 已关联账户连接

    POST /v1/money/connections openbanking

    列出聚合的银行连接（Plaid 风格关联），含 providerName、掩码 accountNumberDisplay 与 accountBalance。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • connectionId
    • lastRefreshTimeStamp
    • providerId
    • providerName
    • accountURN
    • accountName
    • accountType
    • accountSubType
    • accountNumberDisplay
    • accountBalance
    • value
    • asCurrencyString
    POST /v1/money/connections HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "LinkedAccounts", "query": "query LinkedAccounts($input: ConnectionsInput) { money { connections(input: $input) { connections { connectionId lastRefreshTimeStamp providerMetadata { providerId providerName } accounts { accountURN accountName accountNumberDisplay accountBalance { value asCurrencyString } } } } } }", "variables": {"input": {}}}
    {"data": {"money": {"connections": {"connections": [{"connectionId": "idx-chase-19ab", "lastRefreshTimeStamp": "2026-10-14T08:11:02Z", "providerMetadata": {"providerId": "chase", "providerName": "Chase"}, "accounts": [{"accountURN": "urn:account:checking:4412", "accountName": "Total Checking", "accountNumberDisplay": "••••4412", "accountBalance": {"value": 2841.17, "asCurrencyString": "$2,841.17"}}]}]}}}}

  • 交易列表

    POST /v1/money/transactions openbanking

    分页返回已关联账户的交易流水：金额、商户、类别、状态与 accountURN，带游标 pageInfo。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • id
    • date
    • description
    • status
    • amount
    • value
    • asCurrencyString
    • merchant
    • name
    • logoUrl
    • category
    • accountURN
    • providerName
    • endCursor
    • hasNextPage
    POST /v1/money/transactions HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "TransactionList", "query": "query TransactionList($dateCriteria: DateCriteriaInput, $input: TransactionListFiltersInput) { money { transactions(dateCriteria: $dateCriteria, input: $input) { transactions { id date description status amount { value asCurrencyString } merchant { name } category { name } account { name accountURN providerName } } pageInfo { endCursor hasNextPage } } } }", "variables": {"dateCriteria": {"startDate": "2026-09-01", "endDate": "2026-10-14"}, "input": {"accountUrns": ["urn:account:checking:4412"]}}}
    {"data": {"money": {"transactions": {"transactions": [{"id": "txn-9f3c", "date": "2026-10-11", "description": "WHOLEFDS MKT", "status": "POSTED", "amount": {"value": -54.22, "asCurrencyString": "-$54.22"}, "merchant": {"name": "Whole Foods Market"}, "category": {"name": "Food and drink"}, "account": {"name": "Total Checking", "accountURN": "urn:account:checking:4412", "providerName": "Chase"}}], "pageInfo": {"endCursor": "cursor-2", "hasNextPage": true}}}}}

  • 现金流界面

    POST /v1/money/cash-flow openbanking

    构建 Money 现金流日历（粒度与日期范围），复用与净资产同一套余额快照。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • accountURN
    • accountName
    • accountBalance
    • value
    • asCurrencyString
    • granularity
    • startDate
    • endDate
    POST /v1/money/cash-flow HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CashFlowSurface", "query": "query CashFlowSurface($input: CashFlowInput!) { money { cashFlow(input: $input) { connections { accountURN accountName accountBalance { value asCurrencyString } } } } }", "variables": {"input": {"granularity": "MONTH", "startDate": "2026-10-01", "endDate": "2026-10-31"}}}
    {"data": {"money": {"cashFlow": {"connections": [{"accountURN": "urn:account:checking:4412", "accountName": "Total Checking", "accountBalance": {"value": 2841.17, "asCurrencyString": "$2,841.17"}}]}}}}

  • 净资产快照

    POST /v1/money/net-worth openfinance

    加载净资产布局（cards），或签发 idxAuth token 以开始关联账户的欢迎布局。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • cards
    • idxAuth
    • token
    POST /v1/money/net-worth HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "NetWorthPage", "query": "query NetWorthPage($input: NetWorthInput) { money { netWorth(input: $input) { ... on NetWorthLayout { cards { __typename } } ... on WelcomeLayout { idxAuth { token } } } } }", "variables": {"input": {}}}
    {"data": {"money": {"netWorth": {"cards": []}}}}

  • 个人贷款分组报价

    POST /v1/offers/personal-loans opendata

    返回分组的个人贷款市场卡片：approvalOdds、apr、loanAmount、monthlyPayment、termInMonths。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • groupIdentifier
    • features
    • loanType
    • lenderRating
    • approvalOdds
    • apr
    • loanAmount
    • monthlyPayment
    • termInMonths
    POST /v1/offers/personal-loans HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "GroupedLoanOffers", "query": "query GroupedLoanOffers($input: GroupedOffersInput!, $platform: Int!) { loans { groupedOffers(input: $input, platform: $platform) { groupedData { groupIdentifier offerData { attributes { features loanType } partnerDetails { lenderRating } terms { approvalOdds apr loanAmount monthlyPayment termInMonths } } } } }", "variables": {"input": {"loanPurpose": "DEBT_CONSOLIDATION"}, "platform": 1}}
    {"data": {"loans": {"groupedOffers": {"groupedData": [{"groupIdentifier": "prequalified", "offerData": [{"attributes": {"features": ["NO_ORIGINATION_FEE"], "loanType": "PERSONAL"}, "partnerDetails": {"lenderRating": 4.6}, "terms": {"approvalOdds": "VERY_GOOD", "apr": 11.49, "loanAmount": 12000, "monthlyPayment": 278.14, "termInMonths": 48}}]}]}}}}

  • 借款能力

    POST /v1/offers/borrowing-power openfinance

    读取借款能力估值及其历史序列（timestamp、value），市场用同一数字框定 loanAmount 区间。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • borrowingPowerHistories
    • timestamp
    • value
    POST /v1/offers/borrowing-power HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "BorrowingPower", "query": "query BorrowingPower { loans { borrowingPower { borrowingPowerHistories { timestamp value } } } }"}
    {"data": {"loans": {"borrowingPower": {"borrowingPowerHistories": [{"timestamp": "2026-07-01T00:00:00Z", "value": 9800}, {"timestamp": "2026-10-01T00:00:00Z", "value": 12500}]}}}}

  • 领取信用卡报价

    POST /v1/offers/credit-cards/take opendata

    从市场卡片发起信用卡领取报价交接（destination 的 contentId、partnerId、recommendationId）。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • contentId
    • partnerId
    • recommendationId
    • trackingEventId
    • fallbackUrl
    POST /v1/offers/credit-cards/take HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "TakeOffer", "query": "mutation TakeOffer($contentId: String!, $variantId: String, $badge: Int, $certainty: Int) { offers { takeCreditCard(contentId: $contentId, variantId: $variantId, badge: $badge, certainty: $certainty) { destination { contentId partnerId recommendationId trackingEventId fallbackUrl } } }", "variables": {"contentId": "cc-offer-8821", "variantId": "default", "badge": 1, "certainty": 2}}
    {"data": {"offers": {"takeCreditCard": {"destination": {"contentId": "cc-offer-8821", "partnerId": "chase-sapphire", "recommendationId": "rec-55c1", "trackingEventId": "te-901", "fallbackUrl": "https://partners.example.com/apply"}}}}}

  • CK Money 支票与储蓄中心

    POST /v1/money/hub openbanking

    读取 CK Money 支票与储蓄资料状态（已开户 / 已关闭 / 办理中）：支票 accountId 与实体/虚拟借记卡 cardId。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • accountId
    • cardId
    • closedDate
    POST /v1/money/hub HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "MoneyHub", "query": "query MoneyHub($input: MoneyHubInput!) { money { savingsTab(intent: SAVINGS) { hub(input: $input) { accountProfile { checking { accountProfile { ... on OpenCheckingProfile { accountId newestPhysicalCard { cardId } newestVirtualCard { cardId } } ... on ClosedCheckingProfile { closedDate } } } savings { accountProfile { ... on OpenSavingsProfile { accountId } ... on ClosedSavingsProfile { closedDate } } } } } }", "variables": {"input": {}}}
    {"data": {"money": {"hub": {"accountProfile": {"checking": {"accountProfile": {"__typename": "OpenCheckingProfile", "accountId": "ck-chk-1044", "newestPhysicalCard": {"cardId": "dc-phys-12"}, "newestVirtualCard": {"cardId": "dc-virt-08"}}}, "savings": {"accountProfile": {"__typename": "OpenSavingsProfile", "accountId": "ck-sav-2201"}}}}}}}

  • 按邮编查 ATM

    POST /v1/money/atms/locate opendata

    按邮编查找 CK Money 免附加费 ATM（name、distanceInMiles、latitude、longitude）；姊妹查询接受经纬度。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • name
    • distanceInMiles
    • latitude
    • longitude
    POST /v1/money/atms/locate HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "AtmLocations", "query": "query AtmLocations($radiusInMiles: Float!, $zipCode: String!) { money { checking { atms { fromZipCode(input: { zipCode: $zipCode, radiusInMiles: $radiusInMiles }) { atms { name distanceInMiles point { latitude longitude } } } } } }", "variables": {"zipCode": "94105", "radiusInMiles": 5.0}}
    {"data": {"money": {"atms": {"fromZipCode": {"atms": [{"name": "Allpoint — Ferry Building", "distanceInMiles": 0.4, "point": {"latitude": 37.7955, "longitude": -122.3937}}]}}}}}

  • 征信报告变动历史

    POST /v1/credit/changes openfinance

    按征信局列出信用健康时间线上的变动行（header、rating、snippet），覆盖 Equifax 与 TransUnion。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • reportChanges
    • changes
    • insights
    • header
    • rating
    • snippet
    POST /v1/credit/changes HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CreditChanges", "query": "query CreditChanges { creditHealth { changeHistory { equifax { reportChanges { changes { insights { header rating snippet } } } } transunion { reportChanges { changes { insights { header rating snippet } } } } } }"}
    {"data": {"creditHealth": {"changeHistory": {"equifax": {"reportChanges": [{"changes": [{"insights": {"header": "New credit-card account", "rating": "NEUTRAL", "snippet": "A Chase Freedom Unlimited account was added."}}]}]}, "transunion": {"reportChanges": [{"changes": [{"insights": {"header": "Utilization dropped", "rating": "POSITIVE", "snippet": "Credit-card use fell from 31% to 18%."}}]}]}}}}}

  • 账单日历

    POST /v1/money/bills openbanking

    按日期窗口加载 Money 账单日历（minAmountDue、paymentStatus、recurringID 及嵌套交易商户）。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • frequency
    • periodText
    • minAmountDue
    • value
    • asCurrencyString
    • paymentStatus
    • recurringID
    • id
    • date
    • description
    • merchant
    POST /v1/money/bills HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "BillsCalendar", "query": "query BillsCalendar($input: BillsInput!) { money { billsCalendar(input: $input) { bills { frequency { periodText } minAmountDue { value } paymentStatus recurringID transaction { id date description amount { value } merchant { name } } } } } }", "variables": {"input": {"startDate": "2026-10-01", "endDate": "2026-10-31"}}}
    {"data": {"money": {"billsCalendar": {"bills": [{"frequency": {"periodText": "Monthly"}, "minAmountDue": {"value": 128.4, "asCurrencyString": "$128.40"}, "paymentStatus": "UNPAID", "recurringID": "rec-visa-19", "transaction": {"id": "txn-bill-19", "date": "2026-10-22", "description": "CHASE CREDIT CRD", "amount": {"value": -128.4, "asCurrencyString": "-$128.40"}, "merchant": {"name": "Chase"}}}]}}}}

  • 经常性交易

    POST /v1/money/recurring openbanking

    返回已关联账户上识别出的经常性交易：merchantName、amount、periodText、nextDate、isIncome 与 typeEnum。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • recurringId
    • merchantName
    • amount
    • value
    • asCurrencyString
    • periodText
    • dueDateText
    • isIncome
    • nextDate
    • typeEnum
    • isNewRecurringTransaction
    POST /v1/money/recurring HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "RecurringTransactions", "query": "query RecurringTransactions { money { recurringTransactions { items { amount { value } categoryId { name } merchantDetails { merchantName } period { periodText } recurringId recurringTransactionDetails { dueDateText isIncome nextDate } recurringTransactionType { displayText typeEnum } } } } }"}
    {"data": {"money": {"recurringTransactions": {"items": [{"amount": {"value": -14.99, "asCurrencyString": "-$14.99"}, "categoryId": {"id": "subscriptions", "name": "Subscriptions"}, "isNewRecurringTransaction": false, "merchantDetails": {"merchantName": "Netflix"}, "period": {"periodText": "Monthly"}, "recurringId": "rec-nflx-02", "recurringTransactionDetails": {"dueDateText": "Due Oct 18", "isIncome": false, "nextDate": "2026-10-18"}, "recurringTransactionType": {"displayText": "Subscription", "typeEnum": "SUBSCRIPTION"}}]}}}}

  • 发起移动支票存款

    POST /v1/money/check-deposits/start openbanking

    打开 CK Money 支票远程存款会话：目标 accountId、availableBalance、剩余/总额 depositLimits 与 ckCheckDepositSessionId。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • accountId
    • accountNumberLast4
    • availableBalance
    • value
    • asCurrencyString
    • name
    • productId
    • ckCheckDepositSessionId
    • depositLimitPeriod
    • remaining
    • total
    • miSnapLicense
    POST /v1/money/check-deposits/start HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "StartCheckDeposit", "query": "mutation StartCheckDeposit($input: StartCheckDepositInput!) { money { checking { startCheckDeposit(input: $input) { accounts { accountId accountNumberLast4 availableBalance { value } name productId } ckCheckDepositSessionId depositLimits { depositLimitPeriod remaining { value } total { value } } miSnapLicense } } } }", "variables": {"input": {"accountId": "ck-chk-1044"}}}
    {"data": {"money": {"startCheckDeposit": {"accounts": [{"accountId": "ck-chk-1044", "accountNumberLast4": "1044", "availableBalance": {"value": 2841.17}, "productId": "CHECKING"}], "ckCheckDepositSessionId": "cds-7e21", "depositLimits": {"depositLimitPeriod": "DAILY", "remaining": {"value": 1500.0, "asCurrencyString": "$1,500.00"}, "total": {"value": 2000.0, "asCurrencyString": "$2,000.00"}}, "miSnapLicense": "<sdk-license>"}}}}

  • 预批报价货架

    POST /v1/offers/preapproved opendata

    加载 My Preapproved 货架：分类行含 amount、monthlyPayment、preapproved/prequalified 标志、providerId 与 approval-odds level。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • categoryKey
    • title
    • id
    • amount
    • monthlyPayment
    • preapproved
    • prequalified
    • providerId
    • level
    POST /v1/offers/preapproved HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "PreapprovedShelf", "query": "query PreapprovedShelf { offers { preapprovedScreen { sections { categoryKey title recommendations { id amount monthlyPayment preapproved prequalified providerId approvalOdds { level } } } } }"}
    {"data": {"offers": {"preapprovedScreen": {"sections": [{"categoryKey": "CREDIT_CARDS", "title": "Preapproved cards", "recommendations": [{"id": "rec-cc-8821", "amount": "$5,000", "monthlyPayment": null, "preapproved": true, "prequalified": false, "providerId": "chase-sapphire", "approvalOdds": {"level": "EXCELLENT"}}]}]}}}}

  • 签发 Plaid 公共令牌

    POST /v1/money/connections/token openbanking

    为已有连接 itemId 签发 Plaid 风格 publicToken，以便重新进入 Link 或刷新银行连接。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • token
    • code
    • message
    POST /v1/money/connections/token HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "PublicToken", "query": "mutation PublicToken($itemId: String!) { money { connectionToken(input: { itemId: $itemId }) { error { code message } token } } }", "variables": {"itemId": "item-chase-19ab"}}
    {"data": {"money": {"connectionToken": {"error": null, "token": "<public_token>"}}}}

  • 信用健康行动卡片

    POST /v1/credit/actions openfinance

    按页面槽位（如 Credit 中心）加载信用健康辅导卡片（id 与 lockVersion）。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • id
    • lockVersion
    • actionCards
    • labelText
    • location
    POST /v1/credit/actions HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CreditActions", "query": "query CreditActions($location: LocationTaxonomy) { creditHealth { actions { actionCards(location: $location) { id lockVersion } labelText(location: $location) { text } } } }", "variables": {"location": "CREDIT_HUB"}}
    {"data": {"creditHealth": {"actions": {"actionCards": [{"__typename": "ActionCardSimple", "id": "pay-down-util-12", "lockVersion": 3}], "labelText": {"text": "Recommended actions"}}}}}

  • 账户还款模拟器

    POST /v1/credit/simulations/payoff openfinance

    对一条征信账户跑还款模拟器：interestSaved、originalPayOffDate 与 originalTotalCost，对比额外还款计划。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • interestSaved
    • originalPayOffDate
    • originalTotalCost
    • accountId
    POST /v1/credit/simulations/payoff HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "PayoffSimulation", "query": "query PayoffSimulation($input: PayoffSimulationInput) { credit { payoffSimulation(input: $input) { simulationData { interestSaved originalPayOffDate originalTotalCost } } } }", "variables": {"input": {"accountId": "tu-cc-4412", "extraPaymentAmount": 50}}}
    {"data": {"credit": {"payoffSimulation": {"simulationData": {"interestSaved": 412.18, "originalPayOffDate": "2029-08-01", "originalTotalCost": 3180.44}}}}}

  • 完成移动支票存款

    POST /v1/money/check-deposits/complete openbanking

    提交 CK Money 远程存款会话拍下的支票影像，返回 id、receiptNumber 与 transactionDateTime。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • id
    • receiptNumber
    • transactionDateTime
    • ckCheckDepositSessionId
    POST /v1/money/check-deposits/complete HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "CompleteCheckDeposit", "query": "mutation CompleteCheckDeposit($input: CompleteCheckDepositInput!) { money { checking { completeCheckDeposit(input: $input) { id receiptNumber transactionDateTime } } } }", "variables": {"input": {"ckCheckDepositSessionId": "cds-7e21", "accountId": "ck-chk-1044", "amount": {"value": 250.0}}}}
    {"data": {"money": {"completeCheckDeposit": {"id": "dep-4412", "receiptNumber": "RCPT-908821", "transactionDateTime": "2026-10-15T16:04:22Z"}}}}

  • 签发借记卡钱包预配数据

    POST /v1/money/cards/wallet-provisioning openbanking

    为 Google Pay / 数字钱包推送签发 CK Money 借记卡材料：lastFour、paymentNetwork、lockType 与 accountLocator。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • accountLocator
    • type
    • value
    • id
    • lastFour
    • lockType
    • firstName
    • lastName
    • paymentNetwork
    POST /v1/money/cards/wallet-provisioning HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "WalletProvisioningData", "query": "mutation WalletProvisioningData { money { checking { walletProvisioningData { accountLocator { type value } digitalDebitCard { id lastFour lockType } firstName lastName paymentNetwork } } } }"}
    {"data": {"money": {"walletProvisioningData": {"accountLocator": {"type": "ACCOUNT_ID", "value": "ck-chk-1044"}, "digitalDebitCard": {"id": "dc-virt-08", "lastFour": "4412", "lockType": "UNLOCKED"}, "firstName": "Alex", "lastName": "Rivera", "paymentNetwork": "MASTERCARD"}}}}

  • CK Money 开户个人信息

    POST /v1/money/signup/personal-info osint

    读取 CK Money 开户记录上已有的法定 firstName 与 lastName。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • firstName
    • lastName
    POST /v1/money/signup/personal-info HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "SignupPersonalInformation", "query": "query SignupPersonalInformation { money { signup { personalInformation { result { firstName lastName } } } }"}
    {"data": {"money": {"signup": {"personalInformation": {"result": {"firstName": "Alex", "lastName": "Rivera"}}}}}}

  • 征信报告有效标志

    POST /v1/credit/reports/validity openfinance

    按征信局返回报告 isValid 标志（EQUIFAX / TRANSUNION），决定账户明细与模拟器是否可用。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • isValid
    POST /v1/credit/reports/validity HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "ReportValidity", "query": "query ReportValidity { credit { equifax: reportValid(input: { source: EQUIFAX }) { isValid } transunion: reportValid(input: { source: TRANSUNION }) { isValid } } }"}
    {"data": {"credit": {"equifax": {"isValid": true}, "transunion": {"isValid": true}}}}

  • 信用卡快速申请表

    POST /v1/offers/credit-cards/apply opendata

    在领取报价之后，按信用卡 contentId / partnerId 加载应用内 Quick Apply 申请表（cardDetails 与可编辑表单段）。

    认证方式： Bearer accessToken，附 intuit_tid / intuit_userid / intuit_deviceid。

    • contentId
    • partnerId
    • clickEventPayload
    • editable
    • headline
    POST /v1/offers/credit-cards/apply HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{"operationName": "QuickApplyForm", "query": "query QuickApplyForm($clickEventPayload: String!, $contentId: String!, $partnerId: String!) { offers { quickApplyForm(clickEventPayload: $clickEventPayload, contentId: $contentId, partnerId: $partnerId) { cardDetails { title { text } } forms { editable headline { text } } } }", "variables": {"clickEventPayload": "te-901", "contentId": "cc-offer-8821", "partnerId": "chase-sapphire"}}
    {"data": {"offers": {"quickApplyForm": {"cardDetails": {"title": {"text": "Chase Sapphire Preferred"}}, "forms": [{"editable": true, "headline": {"text": "Confirm your info"}}]}}}}

数据类别

  • 信用分
  • 信用因子
  • 征信报告
  • 信用变动
  • 已关联银行账户
  • 交易流水
  • 经常性交易
  • 账单
  • 现金流
  • 净资产
  • 个人贷款报价
  • 信用卡报价
  • 预批报价
  • 支票与储蓄
  • 支票存款
  • ATM 网点
  • 信用行动
  • 还款模拟
  • 数字钱包预配
  • 个人信息
  • 快速申请

数据使用场景与案例

  • 承贷用的征信分盯盘

    贷款机构或理财看板轮询信用中心的 Equifax / TransUnion score、rating、updatedAtTimestamp，追加分数历史的 timestamp/value 点，再叠信用变动的 header/rating/snippet，这样 delta 越出区间时能带上变动的那条账户。

  • 信用卡使用率与账户审计

    把征信局信用卡账户（accountId、accountStanding、utilizationPercentage、isOpen）与发卡行账本对账，标出拖累使用率因子的账户。

  • 已关联账户的现金流与账单记账

    从已关联账户（accountURN、providerName、accountBalance.value）分页拉取交易（amount、merchant.name、category.name、date），叠经常性交易的 nextDate/isIncome，再把账单的 minAmountDue/paymentStatus 放到现金流日历上。

  • 预审贷款报价匹配

    读取借款能力历史与分组报价条款（approvalOdds、apr、loanAmount、monthlyPayment、termInMonths），加上 My Preapproved 货架的 preapproved、prequalified、providerId、level，再通过 partnerId 与 recommendationId 交接。

常见问题

Credit Karma 的分数端点覆盖哪些征信局？

信用中心与历史操作并排返回 Equifax 与 TransUnion 的分数（score、rating、updatedAtTimestamp、delta 及 timestamp/value 历史点）。此客户端的分数数据不含 Experian。

应用如何鉴权 GraphQL 调用？

登录走 Intuit 身份账号（邮箱密码、通行密钥或一次性验证码）。应用随后签发短期 accessToken，以 Authorization: Bearer 携带，并附 intuit_tid、intuit_userid、intuit_deviceid 请求头。

能拿到哪些已关联账户与资金数据？

已关联账户连接返回 accountURN、掩码 accountNumberDisplay 与 accountBalance，可用 Plaid 风格公共令牌刷新。交易分页、经常性交易识别与账单日历补充商户、类别、nextDate/isIncome、minAmountDue/paymentStatus；现金流与净资产复用同一套余额；Money 中心与支票存款发起再补 CK Money 支票 accountId、借记卡 cardId、availableBalance 与 depositLimits。

贷款报价端点包含定价字段吗？

包含。分组贷款报价带 approvalOdds、apr、loanAmount、monthlyPayment、termInMonths 与 lenderRating，借款能力历史用来框定区间；预批货架补 preapproved/prequalified 标志、providerId 与 approval-odds level，领取报价通过 contentId、partnerId、recommendationId 交给合作方。

与 Intuit Credit Karma 相似的应用

  • Experian — Experian 消费者应用提供免费的 Experian FICO 分数和信用报告，并带有 Experian Boost 与 Experian Go，来自 Credit Karma 首页并不直接出分的那家美国征信局。
  • Credit Sesame — Credit Sesame 提供免费每日信用分和监控提醒，再按批准概率匹配信用卡与贷款报价，信用数据来自 TransUnion。
  • WalletHub — WalletHub 提供免费的 TransUnion 信用分、信用报告和每日监控，并比较信用卡、个人贷款、车险和银行账户。
  • LendingTree — LendingTree 是在线借贷市场，同时向用户提供免费 VantageScore 3.0，并把借款人接到多家贷款、信用卡和保险机构。
  • NerdWallet — NerdWallet 是个人理财比较网站和应用，推广信用卡、贷款和银行产品，并在指南中提供免费信用分工具。
  • CreditWise — Capital One 的 CreditWise 免费提供 FICO Score 8 和 TransUnion 信用报告，并在 TransUnion 或 Experian 档案出现新查询或逾期时发出提醒。
  • AnnualCreditReport.com — AnnualCreditReport.com 由 Equifax、Experian 和 TransUnion 联合运营，是美国 FACTA 规定的法定免费信用报告渠道，报告本身不含信用分。
  • myFICO — myFICO 是 FICO 官方的消费者服务：免费档每月更新一份 Equifax 的 FICO Score 8，付费档再覆盖房贷、车贷等其他 FICO 分数及监控。

更多信贷类应用

相关主题

  • credit karma api
  • intuit credit karma graphql
  • transunion 信用分
  • equifax 信用分
  • 信用卡使用率
  • 已关联银行账户
  • 账单日历
  • 个人贷款报价
  • ck money 支票存款
  • 预批信用卡

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

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  • 3–7 天交付
  • 验收通过后才付款
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