Industry Focus: Credit Cards
Core patterns for revolving products and statement-driven cycles.
Updated 8/14/2025 · 1 min read
Utilization and payments
Ensure limits and balances reflect the same cycle date and that promotional terms (e.g., deferrals) are handled through appropriate fields. Payment history is particularly useful for card products.
Promotions and fees
Handle deferred interest or promo APRs without masking delinquency. Keep scheduled vs. actual payments clean to avoid mis-signaling affordability.
Line management
Synchronize credit limit changes promptly. If a limit drop occurs, ensure utilization and adverse action processes remain compliant and consumer communications are consistent.
Last updated
8/14/2025