Credit refers to the degree of performance and trustworthiness of card issuers reflected from social reputation, economic situation and commodity trading performance. The purpose of credit evaluation of card issuers is to get a deeper understanding of cardholders by investigating their social behavior, economic strength and contract compliance, so as to provide a basis for determining customer relationships and making choices.
Therefore, credit evaluation is a very important job for card issuers. A person's social credibility is directly related to his application and use of credit cards. Western developed countries have now formed a good concept of credit, and people cherish credit as life.