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Introduction
The sample project will show how to automate credit card eligibility by determining an applicant’s demographic suitability and credit card eligibility.
Scenario
In this example, we used pre-defined policies to automate, which is used to determine demographic suitability and credit card eligibility.
If an applicant passes the following conditions, he/she is eligible for demographic suitability.
- Be older eighteen-year-old. or
- Be a student. or
- Pass the conditions for Private Credit Card
The applicants will be eligible for Private Credit Card if their annual income is more than or equal to $100,000 or their outstanding borrowings amount is more than or equal to $30,000, or their Savings and Investing balance is more than or equal to $100,000.
If an applicant can be eligible for demographic suitability, go through the next step, which is credit card eligibility.
There are two different steps for determining credit eligibility.
- Balance Transfer Credit Card Eligibility
- Credit Score
For the Balance Transfer Credit Card Eligibility, we check the applicant’s annual income, residential status, the last date the applicant applies for the credit card, and address history.
For Credit Scoring, based on the pre-defined policy, an applicant can gain some score based on four different conditions:
- Number of payments in last 12 months
- Status for bankruptcy
- Loyalty with bank
- Amount of available credit used percentage
in the final part, the application will be checked by Card Type and Credit Score
Running the Sample
- Open the file CreditCardApplicationFlow.xml

- Click on the Logic Run template.

- Click on any given template.

- Debug the sample by clicking on the debug button in the Logic Run Template window.

- You can click the ‘Next Step’ button to go step by step to follow the flow.

- Now you can see the output values in the ‘Parameters’ window.

Process Steps
The process contains the following steps to determine “Credit Card Eligibility”
- Determine Applicant Demographic Suitability
- Determine Credit Card Eligibility
- Notify that application is approved or rejected

Project Description
The project contains the following documents.
- Applicant Credit Card Eligibility.xml – Determines the Credit Card eligibility based on the Card Type and Credit Score.
- Applicant Demographic Suitability.xml – Determines demographic suitability based on the applicant’s age, Card type, and loyalty.
- Balance Transfer Credit Card Eligibility.xml – Determines Based on Income, Residential status, and latest date applying for a credit card.
- Credit Score.xml – Determines the Credit Score based on the number of payments in the last 12 months, status for bankruptcy, loyalty with the bank, and amount of available credit used percentage.
- Private Credit Card Demographic Suitability.xml – Determines Private credit card eligibility based on annual income, outstanding mortgage, and account balance.
- Student Credit Card DemographicSuitability.xml – Determines Student credit card eligibility.
Business Glossaries
- Concept.xml – Allows reusing the applicant’s details throughout the process.
BoxedExpressions.xml – Allows creation functions for use in the model
Decision Graph
- DetermineApplicantDemograpicSuitability.xml – Determines the Demographic Suitability.
- DetermineCreditCardEligibility.xml – Credit Card Eligibility.
The Flow Design
1. DetermineApplicantDemograpicSuitability.xml
Decision graph for determining Demographic suitability.

2. Student Credit Card DemographicSuitability.xml
Determines Student credit card eligibility based on account type.

3. Private Credit Card Demographic Suitability.xml
Determines Private credit card eligibility based on annual income, outstanding mortgage, and account balance.

4. Applicant Demographic Suitability.xml
Determines demographic suitability based on the applicant’s age, Card type, and loyalty.

5. DetermineCreditCardEligibility.xml
Decision graph for credit card eligibility

6. Balance Transfer Credit Card Eligibility.xml
Determines Based on Income, Residential status, and latest date applying for a credit card.

7. Credit Score.xml
Determines the Credit Score based on the number of payments in the last 12 months, status for bankruptcy, loyalty with the bank, and amount of available credit used percentage.

8. Applicant Credit Card Eligibility.xml
Determines the Credit Card eligibility based on the Card Type and Credit Score.

Notification
in the last part of the model, you get the notification that the application is approved or rejected based on the applicant’s input.

Download the project
Use the attachment at the end of the page to download the sample project.