More Credit, More Debt: New Evidence on Automated Credit Decisions

Vitaly M. Bord, Agnes Kovacs () and Patrick Moran
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Vitaly M. Bord: https://www.federalreserve.gov/econres/vitaly-m-bord.htm

No 2026-01-16-1, FEDS Notes from Board of Governors of the Federal Reserve System (U.S.)

Abstract: Behind the scenes of every credit card lies an increasingly complex algorithmic infrastructure that determines who receives more credit and when, largely outside the inspection or knowledge of credit card users. Credit card issuers deploy sophisticated algorithms that continuously analyze consumer spending and borrowing behaviors, often increasing credit limits without consumers requesting such changes.

Date: 2026-01-16
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Persistent link: https://EconPapers.repec.org/RePEc:fip:fedgfn:102363

DOI: 10.17016/2380-7172.3964

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