Metro 2 Account Type Code 07: Charge Account (Store Exclusive)

Specification

Code	07
Meaning	Charge Account (Store Exclusive)
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Revolving Accounts
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

Two facts define it: the account revolves, and it is accepted only at the issuing merchant or its affiliated brands.
Does NOT cover a co-branded card carrying a network logo that works anywhere. That is a general-purpose bankcard, code 18.
Does NOT cover a fixed-term retail installment contract, which is 06 and has no credit limit.
The issuing bank behind a private-label programme is usually the furnisher, and the tradeline typically displays the retailer's name so the consumer recognises it.
A store account with a promotional deferred-interest plan inside it is still one revolving tradeline, not one revolving plus one installment.

1A department store's issuing bank reports a private-label card usable only in that chain.
2A home-improvement retailer reports a project card accepted only at its own stores.
3A fuel retailer reports a station-branded charge card with a monthly revolving balance.
4A specialty apparel brand reports a store card whose limit was increased after twelve months of on-time payments.
5A retailer reports a store card the consumer closed at their own request, keeping the tradeline reporting with a zero balance until it ages off.

Populate Credit Limit every cycle. A revolving tradeline with no limit forces the bureaus and scoring models to fall back on Highest Credit, which distorts utilization.
Report Highest Credit as the highest balance ever carried, and update it when a new high is reached.
Report the contractual minimum payment in Scheduled Monthly Payment Amount, and what the consumer actually paid in Actual Payment Amount.
Do not stop reporting a zero-balance open store account. Silence looks like a closed account and costs the consumer the age and the available limit.
Use 18 instead when the card carries a payment network and works outside the retailer.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 07 has to satisfy.

Portfolio Type must be R (Revolving). That is what makes Credit Limit meaningful and required rather than zero-filled.
Terms Duration is reported as REV on revolving accounts, never as a month count.
Current Balance above Credit Limit is legitimate on a revolving account (over-limit, fees, interest) but it is a flagged condition, so make sure the limit you report is the current one and not a stale original.
Terms Frequency is M on a monthly-billed revolving account.
An authorized user on the account is expressed through ECOA and a J1 or J2 segment, not through Account Type.
When the consumer asks to close the account, Date Closed and the Compliance Condition Code carry that fact; Account Type stays 07.