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Credit Card Glossary: Terms and Definitions

Confused by credit card terms?'s glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.

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Behavioral modeling

Behavioral modeling is a technique used by some credit card companies. It uses consumers' purchasing behavior to assess their risk of defaulting. Behavioral modeling is controversial: Someone who suddenly swithces to shopping at bargain stores may be suddenly frugal, not suddenly risky.