The scoring criteria has some reason(s) related bankcard cards.  FICO does differeniate between bankcards.  It is just a differnet loan trype and no more. After  I posted this I remembered another very informative and interesting post. The link is below

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/VERY-interesting-info-about-FICO-score-po...