Some customers find higher suggested credit limits very attractive. This can lower acquisition CPAs and lift activation rates. Both are crucial in modeling program profitability.

The increased exposure to individual accounts naturally raises the average loss amount when accounts go bad. The question is whether the added risk is safely more than offset by added revenues.

Product pricing influences usage and behavior. Lower rates can lead to higher revolving balances and better retention. Together these can help offset higher levels of risk.

Do you have the data you need? Is it complete and reliable? How well do you understand what you have?

Asking the right questions guides the work to the right answers for each product and customer segment

Performing detailed analysis settles on an approach that delivers a method to assign limits

Early on we consider how the 'answer' will be used to speed implementation and ease of use