# Create Consumer Overdraft

Creates a consumer overdraft and activates the offered overdraft limit in the customer's account. After Solaris approves a consumer overdraft application, you have to call this endpoint and the overdraft amount will be set as an external limit to the customer's account.

Endpoint: PUT /v1/persons/{person_id}/consumer_overdraft_applications/{overdraft_application_id}/overdraft
Version: 1.0

## Path parameters:

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.

  - `overdraft_application_id` (string, required)
    The unique ID of a consumer overdraft application.

## Request fields (application/json):

  - `account_id` (string, required)
    The unique ID of a person's bank account.
    Example: "575189c6eb825b10b9d0392fcb3bf61dcacc"

  - `tnc_accepted_at` (string, required)
    Example: "2021-08-03T18:01:48.000Z"

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of a consumer overdraft, generated after an overdraft is offered.
    Example: "00556cd181f2409aaa6c2a033cce3a8fcovd"

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding
      process.
    Example: "dc1a6812a14f6cc338cd084208535bcdcper"

  - `consumer_application_id` (string, required)
    The unique ID of a consumer overdraft application.
    Example: "b83z264de98741018419b53648e20ca9coap"

  - `account_iban` (string, required)
    The IBAN of a person account.
    Example: "DE87110101001000057123"

  - `status` (string, required)
    The status of an overdraft offered to a consumer.
    Enum: "conditions_pending", "limit_pending", "created", "attached"

  - `interest_accrual_rate` (number, required)
    The daily rate at which interest is accrued on the used amount of an overdraft.
    Example: 3

  - `overdraft_rate` (number, required)
    The interest rate applicable to the overdraft.
    Example: 9

  - `created_at` (string, required)
    The date and time the overdraft was created.
    Example: "2021-08-03T18:01:48.000Z"

  - `negative_since` (string,null, required)
    The date and time when overdraft went negative.
    Example: "2021-08-03T18:01:48Z"

## Response 400 fields (application/json):

  - `title` (string)
    Example: "Failed to build pagination headers."

  - `status` (string)
    Example: "400"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Cannot connect to database."

  - `code` (string)
    Example: "build_pagination_headers_failure"

## Response 404 fields (application/json):

  - `title` (string)
    Example: "Model Not Found"

  - `status` (string)
    Example: "404"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Couldn't find 'Account' for id 'DE24112233445566'."

  - `code` (string)
    Example: "model_not_found"

## Response 409 fields (application/json):

  - `errors` (array, required)

  - `errors.id` (string, required)
    A UUID, preferably the request ID

  - `errors.status` (integer, required)
    The HTTP status

  - `errors.code` (string, required)
    some_computer_friendly_string

  - `errors.title` (string, required)
    Some short human friendly string

  - `errors.detail` (string, required)
    Some human friendly-ish detail: field is required

  - `errors.source` (object,null)
    Optional computer-friendly error source description
    Example: {"message":"is_required","field":"name"}

  - `errors.source.field` (string, required)
    Example: "name"

  - `errors.source.message` (string, required)
    Example: "is_required"

  - `errors.backtrace` (array,null)
    Optional array of backtrace lines