Persistent Debt Regulation and Advanced Analytics

Here’s how decision optimization can improve cardholders’ strategies to comply with persistent debt regulation and help consumers meet their credit burdens.

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Executive Brief

The Financial Conduct Authority of the United Kingdom (FCA) has recently introduced new rules to avoid long-term indebtedness of credit card holders. As per this regulation, a cardholder is in persistent debt if payments against interest, fees and charges exceed amortisation payments over an 18-month period. The 18-month period is reset if the card balance falls below £200.
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