Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.

Abstract: The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions.

Abstract: A cardmember acquisition system and method according to various principles of the invention generally includes an advisement to an existing cardmember to refer-a-friend to apply for a card. The advisement from the host includes an embedded customized URL having a unique ID identifying the cardmember. The host can track and monitor the unique ID back to the cardmember throughout the referral process. In one particular embodiment, a cardmember receives an electronic advisement from the host including the specialized URL. The cardmember forwards the specialized URL to a friend and invites the friend to apply for card membership. The friend completes and submits an application to the host, which includes the unique ID. Upon approval of the application, the cardmember receives notification and an incentive.