diff --git a/lib/balanced.js b/lib/balanced.js
index 78c53fd..a2c8d44 100644
--- a/lib/balanced.js
+++ b/lib/balanced.js
@@ -76,7 +76,14 @@ function associate_to_customer(customer) {
 
 balanced.registerType('card', {
     debit: transaction_create('debit'),
-    credit: transaction_create('credit'),
+    // function below confirms card is creditable before attempting
+    credit: function() {
+        if (this.can_credit) {
+            transaction_create('credit')
+        } else {
+            throw new BalancedError('FundingInstrumentNotCreditable');
+        }
+    },
     hold: transaction_create('card_hold'),
     associate_to_customer: associate_to_customer,
 
@@ -190,3 +197,9 @@ balanced.registerType('dispute', {
     events: '_',
     transaction: '_'
 });
+
+function BalancedError(message) {
+    this.name =  this.constructor.name;
+    this.message = message;
+    this.stack = (new Error()).stack;
+}
diff --git a/test/test.js b/test/test.js
index 5f8061f..1da713f 100644
--- a/test/test.js
+++ b/test/test.js
@@ -380,17 +380,21 @@ test('credit_card', function (cb, assert, marketplace, debit_card) {
     });
 });
 
-test('credit_card_can_credit_false', function (cb, assert, marketplace, debit_card) {
-    balanced.marketplace.credits.create({
-        amount: 250000,
-        destination: fixtures.card_non_creditable
-    }).then(function (credit) {
+test('credit_card_can_credit_false', function(cb, assert, marketplace) {
+    balanced.marketplace.cards.create({
+        'number': '4111111111111111',
+        'expiration_month': '05',
+        'expiration_year': '2016'
+    }).then(function (card) {
+        card.credit({
+            "amount": 1000,
+            "description": "Credit"
+    }).then(function (customer) {
         assert(false);
-    }, function(err) {
-        var error = JSON.parse(err.message).errors[0];
-        assert(error.status_code == 409);
-        assert(error.category_code == 'funding-destination-not-creditable');
+    }, function (err) {
+        assert(err.message == 'FundingInstrumentNotCreditable');
         cb();
+        });
     });
 });