Using a transactor/revolver scorecard to make credit and pricing decisions

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So, M.C. ; Thomas, L.C. ; Seow, H-V ; Mues, C. (2014)

In consumer lending the traditional approach is to develop a credit scorecard which ranks borrowers according to their risk of defaulting. Bads have a high risk of default and Goods have a low risk. To maximise the profitability of credit card customers, a second classi... View more
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