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Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Started by cordblomquist · 10 months ago

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: reducing credit limits for people who use a variety of services. These services included, “Direct marketing merchants [like, one assumes, Amwa ... Continue reading »

4 comments

Max
1 year ago

It's ironic you put "good" and "bad" in quotes. Good and bad in this context are defined from the perspective of the credit card company. It might be "good" and in a customer's best interests to get marriage counselling or other mental health professional services. Do you want to discourage that? Do you want to stigmatize mental health services?

Where does it stop? Political donations? Bought something at a gun store? Bought meat?

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Allen
1 year ago

I too am skeptical that they're using the best of science when judging their risks. But that's their problem. What gets me is when people imply that this could lead to racism. Why would it? Credit cards are greedy and greed is color-blind.

Max --> I agree it feels creepy. But the credit card companies aren't providing health care. They're assessing the risk of loaning people money. At that it's an unsecured. FICO tells them about a person's past but it doesn't help with what is going on right now. Divorce isn't cheap; if someone's headed toward one surely they're more of a risk.

Where does it stop? I don't know. Should their be legally defined boundaries?

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