We have presented a principal component analysis linear-weighted model (PCALWM) for credit scoring in [5,6], this article is a further study on this model. We revised the application procedure in the credit scoring, and tested it by a larger real-life credit card dataset. In comparison with some well-known scores, the empirical results of the PCALWM can achieve a favorable KS distance. The study on some application features of this model in the credit decision-making shows that the model can help the credit issuers to select the best trade-off among the enterprise stratagem, marketing and credit risk management.