Credit Line Management

Profitable and personalized credit limit strategies.

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Drive credit portfolio growth.

With so much uncertainty in the current economic climate, managing credit lines is an important way to mitigate portfolio risk while maintaining profitability. It is also a key customer loyalty tool with the potential to improve customer satisfaction by rewarding customers for card usage and performance.

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Agile decisions

Agile decisions, delivered consistently across your business. Automate the right credit line actions with a customer-level view of performance in every account while ensuring consistency with other interactions across the organization, such as collections treatment or marketing offers. Collect up-to-date information and adjust credit line decisions based on fluctuating risk and card utilization.

Enabling Technologies

With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers our solutions with the most advanced science available.


Start simple with basic credit strategies for fast time-to-value, then build digital sophistication as you grow.


Deploy credit line analytics and strategies quickly within a safe, scalable, and flexible cloud environment.

AI, Machine Learning and Advanced Analytics

Drive portfolio performance with AI and advanced analytics offerings.


Optimize credit line strategies to increase profitability, balance constraints, and meet business objectives.

How it works

See how you can make your business goals a reality and overcome your toughest challenges with a solution trusted by leading organizations worldwide.

Credit Line Management

Step 1

Variables, analytics, and optimized strategies evaluate customer behavior to segment your portfolio into granular groups

Step 2

These customer segments are then assigned the right initial credit limit amounts or credit line increase and decrease amounts

Step 3

Once the action is determined, customers are notified through multichannel alerts, or collect information needed to extend lines using digital self-service tools

Optimal Performance

Move away from a “one size fits all” approach to credit line management to achieve results such as:


ROI from reduced losses and increased revenue


Increase in balances


Reduction in account level bad debt

Line management, redefined.

Use credit line strategies to improve customer loyalty and reduce portfolio risk.