How Do Credit Card Issuers Adjust Their Risk Level? – Credit Card Insider

Today’s question is: How Do Credit Card Issuers Adjust Their Risk?
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Credit card issuers give out higher credit limits to less-risky borrowers, and lower credit limits to riskier borrowers. But how exactly do issuers determine how high of a credit limit to provide for a particular cardholder? When increasing the credit line of one person, do they need to take part of someone else’s credit limit away, like a zero-sum game situation?

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