Instant Credit Limit Decisions with AI

Evaluate customer requests for credit limit increases based on account performance and creditworthiness.

How this works

This agent reviews credit limit increase requests against account history and credit profile. Requests are auto-approved with new limit, denied with explanation, or routed for manual credit review.

Evaluation factors:

• Payment history and account age

• Credit utilization patterns

• Income changes and credit score movement

• Recent account activity

• Request amount reasonableness

Input format

Use the following inputs:

• customer ID

• current credit limit

• requested new credit limit

• account age (months)

• payment history (on_time | occasional_late | frequent_late)

• months since last late payment

• current balance

• credit score at account opening

• current credit score

• stated income at account opening

• current stated income

• credit limit increases in last 12 months

Decision logic

Auto-approve if:

• Account age >12 months

• Perfect payment history (no late payments)

• Current utilization <30%

• Credit score increased or stable (within 20 points)

• Requested increase ≤50% of current limit

• No increases in last 6 months

Deny if:

• Account age <6 months

• Late payment in last 12 months

• Credit score decreased >50 points

• Current utilization >80%

• Requested increase >200% of current limit

Manual review if:

• Doesn't meet auto-approve or auto-deny criteria

• Significant income increase (>30%) to support higher limit

• Borderline utilization (30-50%) with good payment history

• Multiple limit increases in last 12 months

Output

Returns a structured decision:

• customer ID

• decision status (APPROVED | DENIED | MANUAL_REVIEW)

• approved new credit limit (if approved)

• denial reason (if denied)

• manual review priority (if review needed)

• customer communication message

• effective date