Abstract: Electronic modeling of long-term historical financial credit performance of a consumer is described. A plurality of historical time periods originating from an observation point in time occurring in the past are established and a plurality of past credit performance snapshots for a sample consumer population are obtained. A credit risk management computer system computes a credit quality index for each of the past credit performance snapshots of the sample population and for a recent credit performance snapshot of the consumer. An overall credit quality index for the sample population spanning the plurality of historical time periods is likewise computed and a prediction of an overall credit quality index for the consumer spanning the plurality of historical time periods is made.

Abstract: A system, method, apparatus, means, and computer program code for efficiently promoting use of a financial product (e.g., credit card). According to embodiments of the present invention, an entity may have multiple offers that the entity can make regarding a financial product, each of which may product different results, have different costs, or satisfy different entity requirement(s) or objective(s). Prior to making an offer regarding the financial product, the entity may determine which one or more of the available offers complies with or best meets the requirement(s) or objective(s) and conduct a promotional campaign in accordance with the identified offer(s).