While individual borrowers may differ on their ability to repay credit, card issuers also rely on the concept that borrowers with similar credit scores will tend to exhibit similar payment behavior. (debt.org)
That involves comparing the credit - card balances of people who have very similar credit scores but end up on different sides of the various spending - limit thresholds that lenders impose on cardholders. (economist.com)
There has been a trend of major credit card issuers rolling out similar credit score benefits in recent years. (valuepenguin.com)