Which ever bankcard companies you currently have...all will have this internal behavioral score or index that they come up with (every bank will have different algorithms), especially for the first two years of your accounts, because they (accounts) are considered new until the 25th month (statement) from the time that you were issued a card.
@SUMRFUN can you perhaps provide me with a link to anything discussing it or explaining it? I would like to learn more. I'm curious as to what companies create it. I love to learn new stuff!