Credit and Charge Cards

Set dynamic limits for credit and charge cards

Personalize credit limits based on real-time affordability to reduce loss exposure and improve retention.

Used by: Secured credit builder cards / Unsecured credit builder cards / Credit builder loans / Charge cards

The Problem

Default risk. Incomplete and outdated data can result in default risk, credit exposure, and reduced recovery rates.

Static credit limits.  Recent changes in customer financial circumstances aren’t reflected in credit limits.

Data discrepancies. No single credit report or data source captures a complete view of a customer's creditworthiness.

Pave's Solution

Early delinquency detection. Get live signals about delinquency risk based on cashflow behavior.

Real-time visibility. Dynamically adjust credit limits based on recent shocks or changes to a customer's affordability.

Unified financial picture. Seamlessly consolidate multiple data sources across all bank and liability accounts.


Cashflow Analytics

Forecast affordability with a real-time view of income, expenses, liabilities and more.

Attributes Store

Generate 1000+ Risk & Affordability signals to train and backtest your loan pricing, pre-qualification, and risk models.


Predict cashflow outcomes including the likelihood and ability to repay.

Interested in exploring more of this use case?

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