For such simple oiperations, HTTP verbs suffice. But what if you want to modify a list of items in some application specific way? In my opinion issuing a sequence of "RESTful" POSTS on each one of the "resources" is nonsense. And nonsense is also making up artificial "resources" whose sole purpose making your URL "verb free", i.e. POST creditCard/123/derogatoryPaymentCheckOnExperian with no "derogatoryPaymentCheckOnExperian" "resource" on your db, instead of the simple: POST creditCard/123/controlDerogatoryPaymentHistoryOnExperian.