If you're thinking about fixed rate credit cards, don't leave yet. Information about you and your creditexperiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. A also may involve other types of costs.
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Credit scoring is based fixed rate credit cards on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals.
