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

# Borrow

export const Badge = ({children, color}) => <span style={{
  backgroundColor: '#F5F5F5',
  borderRadius: '5px',
  color: '#080808',
  padding: '0.2rem',
  marginTop: '3px',
  marginRight: '3px',
  fontSize: '10px',
  display: 'inline-block',
  verticalAlign: 'top',
  fontWeight: 'bold',
  whiteSpace: 'nowrap',
  px: 1,
  bg: 'primary'
}}>
    {children}
  </span>;

export const InsightsCard = ({children, className = "", ...props}) => <div {...props} className={`insights-card ${className}`.trim()}>
    {children}
  </div>;

## Celebrate Credit Card Payoff

<Badge>Available in Mini Widget</Badge>

<InsightsCard>
  This insight celebrates when a user pays off a credit card balance.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/CelebrateCreditCardPayoff.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=f8d2abeb5f64431f593ffabb6783b366" alt="Image of the insight" width="1440" height="488" data-path="images/experience/insights/CelebrateCreditCardPayoff.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered when an account balance changes to zero for the first time on a given day. The triggered insight must meet the following requirements to generate:

      * The account balance must change from a non-zero amount to 0.
      * The current resource must be a credit card account.
      * The credit card account must not be closed or hidden.
      * There must be no antecedent insight.
      * In the 56 days preceding the transaction date, there must be no dates with a historical balance of \$0.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Credit card paid off"
      * description: "On `{date}`, the balance on your `{localized_account_name}` account reached \$0.00. Great job paying your balance in full."
    </Tab>
  </Tabs>
</InsightsCard>

## Credit Utilization

<Badge>Available in Mini Widget</Badge>

<InsightsCard>
  This insight notifies users that their credit utilization is high. There are two types of insights that can be generated: a warning and an alert.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/CreditUtilization.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=2264f475f6556bdbd9c6db55c7b8a263" alt="Image of the insight" width="1440" height="1348" data-path="images/experience/insights/CreditUtilization.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered weekly and must meet the following requirements to generate:

      * The user has one or more credit card accounts. We limit this insight to only using a maximum of 15 accounts.
      * A warning is generated when:
        * The user's balance is at least 20% or greater of their total credit limit.
        * The user has not had a previous warning or alert credit utilization beat for the current month.
      * An alert is generated when:
        * The user's balance is at least 30% or greater of their total credit limit.
        * The user has not had a previous alert credit utilization beat for the current month.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title:
        * warning: "Credit card use is nearing 30%"
        * alert: "Credit card use is over 30%"
        * zero state: "No longer relevant"
      * description:
        * warning:
          * one: "Keeping credit utilization at 30% or less protects your credit score. You’ll reach that limit if you spend `{threshold_amount}` more on your credit card."
          * other: "Keeping credit utilization at 30% or less protects your credit score. You’ll reach that limit if you spend `{threshold_amount}` more on your `{count}` credit cards."
        * alert:
          * one: "Lowering credit utilization to 30% or less will protect your credit score. Consider paying `{threshold_amount}` toward your credit card."
          * other: "Lowering credit utilization to 30% or less will protect your credit score. Consider paying `{threshold_amount}` toward your `{count}` credit cards."
      * zero state: "Due to changes in the data, the information here is no longer relevant."
      * call to action: "Learn more"
    </Tab>
  </Tabs>
</InsightsCard>

## Debt Payment Reminder V3

<Badge>Available in Mini Widget</Badge>
<Badge>Notification available</Badge>

<InsightsCard>
  This insight notifies users of an upcoming payment for a liability account.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/DebtPaymentReminderV2.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=e40231dae1e64a3fa79522e17924fed8" alt="Image of the insight" width="1440" height="524" data-path="images/experience/insights/DebtPaymentReminderV2.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered when an account is updated and must meet the following requirements to generate:

      * The account isn't closed.
      * The account must have a positive balance.
      * The account supertype must be `LIABILITY`.
      * The `payment_due_at` date must be in the future.
      * No existing insights for the account and payment due date.
      * A payment hasn't been made to the account within the last 30 days.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Debt payment reminder"
      * description:
        * zero: "You typically have a payment to `{account_describer}` due on `{payment_due_at_date}`. Make sure you've made the full payment to avoid any late fees."
        * one: "You typically have a payment of `{payment_amount}` to `{account_describer}` due on `{payment_due_at_date}`. Make sure you've made the full payment to avoid any late fees."
    </Tab>
  </Tabs>
</InsightsCard>

## Debt Payoff Strategies

<Badge>Available in Mini Widget</Badge>

<InsightsCard>
  This insight is meant to educate users who are carrying debt on multiple accounts, on two common strategies to paying off debt.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/DebtPayoffStrategies.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=f8146cf9c52b052861b4ac3c651b7d18" alt="Image of the insight" width="1440" height="1257" data-path="images/experience/insights/DebtPayoffStrategies.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered every 6 months and must meet the following requirements to generate:

      * A transaction must meet all of the attributes below in order for this insight to be generated:
      * A user has two or more active (in the last month) accounts that have the supertype of `LIABILITY`. (Active account = payment made to the account in the last 35 days)
      * This insight includes all accounts of this type except Mortgage accounts and Small Business account subtypes.
      * This insight only includes accounts that we have an Interest rate attached to it.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Debt payoff strategies"
      * description: "We see you're carrying debt on `{account_count}` accounts. Consider trying one of these common strategies to tackle debt."
      * call to action: "Learn more"
    </Tab>
  </Tabs>
</InsightsCard>

## Missing Interest Rate

<InsightsCard>
  This insight asks users to share their interest rate so we can help them to have better money experiences.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/MissingInterestRate.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=32b14471d9eb448bbd241ea4f0ca8d39" alt="Image of the insight" width="1440" height="814" data-path="images/experience/insights/MissingInterestRate.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight triggers weekly and must meet the following requirements to generate:

      * The account's supertype must be `LIABILITY`.
      * The account's `interest_rate` field must not be set.
      * The account's `apr` field must not be set.
        Additional things to note:
      * If a user has multiple liability accounts without an interest rate we will only generate an insight for the first account and proceed to the rest in the next weeks.
      * An insight for a specific account can only be generated once every 3 months.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title:
        * no interest rate: "Interest rate missing"
        * with interest rate: "Interest rate added"
      * description:
        * no interest rate: "The interest rate on your `{localized_account_name}` account is currently unknown. By providing it, you will help us make even more personalized insights related to this account."
        * with interest rate: "Thank you for updating the interest rate on your `{localized_account_name}` account. This will help us make even more precise and relevant insights in the future."
      * call to action:
        * no interest rate: "Add detail"
        * with interest rate: "View details"
    </Tab>
  </Tabs>
</InsightsCard>

## Monthly Credit Card Interest Summary

<Badge>Available in Mini Widget</Badge>

<InsightsCard>
  This insight shows users how much they are spending on interest on their credit cards over the last 90 days.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/MonthlyCreditCardInterestSummary.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=1622a2443f92ad7dedcb0810326a1cd5" alt="Image of the insight" width="1440" height="996" data-path="images/experience/insights/MonthlyCreditCardInterestSummary.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered monthly and must meet the following requirements to generate:

      * The user must have one or more credit cards.
      * The user must have been charged some amount in interest on these credit cards in the last 90 days.
      * There must be an interest charge in the last month.
      * A transaction is considered an interest charge when all the following attributes are true:
        * The transaction type must be `DEBIT`.
        * The transaction category must be `FINANCE CHARGE`.
        * The transaction must include "interest" or "finance charge" in the feed description; the case does not matter.
      * This insight must not already exist for the previous month.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Interest charges summary"
      * description: "From `{start_date}` to `{end_date}`, you have paid `{total}` in interest on your `{localized_account_name}`."
      * call to action: "Learn how to save"
    </Tab>
  </Tabs>
</InsightsCard>

## Monthly Debt To Income Comparison V2

<Badge>Available in Mini Widget</Badge>

<InsightsCard>
  This insight provides a comparison of income to debt spend for the previous four months.

  <Tabs sync={false}>
    <Tab title="Example Images">
      <div className="w-full flex justify-center">
        <img src="https://mintcdn.com/mx-7a01b258/2CWOnx7baIckmnqs/images/experience/insights/MonthlyDebtToIncomeComparisonV2.png?fit=max&auto=format&n=2CWOnx7baIckmnqs&q=85&s=79ca44df7ab91fae3dfa115636379ec8" alt="Image of the insight" width="1440" height="748" data-path="images/experience/insights/MonthlyDebtToIncomeComparisonV2.png" />
      </div>
    </Tab>

    <Tab title="When Does This Generate?">
      This insight is triggered monthly and the user must meet the following requirements to generate:

      * Have at least one checking, checking line of credit, or savings account.
      * Have transactions in their checking, checking line of credit, or savings account for the previous month.
      * Have transactions in their checking, checking line of credit, or savings account for at least two out of the four previous months.
      * Have at least one income transaction that is greater than \$0 for the previous month.
      * Have at least one debt transaction that is greater than \$0 for the previous month.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Debt vs. income"
      * description:
        * zero state: "Due to changes in the data, the information here is no longer relevant."
        * below: "In `{last_month}`, you spent `{income_to_debt_percentage}` of your income on debt. Great job keeping your monthly debt payments under 30%!"
        * above: "In `{last_month}`, you spent `{income_to_debt_percentage}` of your income on debt. Try to keep your monthly debt payments under 30%."
      * call to action: "View transactions"
    </Tab>
  </Tabs>
</InsightsCard>

## Payroll Advance

<InsightsCard>
  This insight notifies users of a payroll advance transaction in one of their accounts.

  <Tabs sync={false}>
    <Tab title="When Does This Generate?">
      This insight is triggered when a transaction is created which meets the following requirements or a `PENDING` transaction which meets the defined requirements is updated to a status of `POSTED`.

      * A transaction must meet all of the attributes below in order for a Payroll Advance beat to be generated:
        * The transaction status must be `POSTED`.
        * The `is_payroll_advance` flag on the transaction is set to `true`.
      * This insight is limited to five occurrences each week.
    </Tab>

    <Tab title="Customizable Text">
      This is the default text for this insight. This is all customizable:

      * title: "Payroll advance"
      * description:
        * zero: "You took a payroll advance of `{transaction_amount}`."
        * one: "You took a payroll advance of `{transaction_amount}` from `{merchant_name}`."
    </Tab>
  </Tabs>
</InsightsCard>