cancel
Showing results for 
Search instead for 
Did you mean: 

Algorithms used by credit card companies....

tag
Open123
Super Contributor

Re: Algorithms used by credit card companies....

I suspect most Issuers couldn't care less how you pay, so long as you do!  

 

However, I've read, albeit anectodally, Citi appears to prefer having a balance report.  It's been reported that one of their rejection reasons has been "too little balances reporting."  It's been surmised that Amex places a higher internal risk score for larger average payments vs. a bunch of frequent smaller ones.

Message 11 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.