Credit card decisioning and calculations. Part of the LendCtl Suite.
- Credit Limit — Calculate recommended limit based on income, credit, and risk
- APR Assignment — Risk-based pricing tiers
- Balance Transfer — Analyze transfer opportunities with break-even analysis
- CLI Eligibility — Check credit line increase eligibility
npm install -g cardctlcardctl limit --income 75000 --credit-score 720 --existing-limits 10000cardctl apr --credit-score 720 --prime-rate 8.5cardctl transfer --balance 5000 --current-apr 22 --promo-apr 0 --promo-months 18 --fee 3cardctl cli --current-limit 5000 --account-age 12 --payment-history excellent --utilization 45 --credit-score 720Calculate recommended credit limit.
Options:
--income <amount>- Annual income (required)--credit-score <score>- Credit score (required)--existing-limits <amount>- Total existing credit limits--monthly-debt <amount>- Monthly debt payments--employment-months <months>- Months at current employer--bankruptcy-years <years>- Years since bankruptcy (if any)--format <type>- Output format (json|table)
Calculate APR tiers based on credit profile.
Options:
--credit-score <score>- Credit score (required)--prime-rate <rate>- Current prime rate (default: 8.5)--format <type>- Output format (json|table)
Analyze balance transfer opportunity.
Options:
--balance <amount>- Current balance to transfer (required)--current-apr <rate>- Current APR (required)--promo-apr <rate>- Promotional APR (default: 0)--promo-months <months>- Promotional period (default: 18)--fee <percent>- Transfer fee percentage (default: 3)--payment <amount>- Monthly payment (auto-calculated if omitted)--format <type>- Output format (json|table)
Check eligibility for credit line increase.
Options:
--current-limit <amount>- Current credit limit (required)--account-age <months>- Account age in months (required)--payment-history <quality>- Payment history: excellent|good|fair|poor (required)--utilization <percent>- Current utilization % (required)--credit-score <score>- Current credit score (required)--last-increase <months>- Months since last increase--format <type>- Output format (json|table)
| Tier | Score Range | Limit Multiplier | APR Margin |
|---|---|---|---|
| Superprime | 750+ | 35% of income | 10.99% |
| Prime | 700-749 | 25% of income | 15.99% |
| Near-prime | 650-699 | 18% of income | 21.99% |
| Subprime | 580-649 | 12% of income | 25.99% |
| Deep Subprime | <580 | 5% of income | 29.99% |
All commands support --format json for programmatic use:
cardctl limit --income 75000 --credit-score 720 --format json | jq- finctl — Income/DTI calculator
- creditctl — Credit report analysis
- mortctl — Mortgage underwriting
- autoloanctl — Auto loan calculations
- compctl — Lending compliance
- auditctl — Audit logging
- persctl — Personal loans
- cardctl — Credit card decisioning (this package)
Apache-2.0 © Satyan Avatara