Behavior score

A behavior score is an internal, proprietary scoring system used by some credit card issuers to supplement the credit scores they purchase from credit bureaus. A behavior score, like a traditional credit score, is a numeric summary of the bank’s experience with the customer. Behavior scores include a deeper analysis than the credit bureaus can provide, since the card issuer can mine the customer’s payment history, credit utilization over time and even the amounts and types of products purchased.