Jamestown Savings Bank, in reviewing its credit card customers, finds that of those customers who scored 40 points or less on its credit-scoring system, 35 percent (or a total of 10,615 credit customers) turned out to be delinquent credits, resulting in total loss. This group of bad credit card loans averaged 6,800 in size per customer account. Examining its successful credit accounts Jamestown finds that 12 percent of its good customers (or a total of 3,640 customers) scored 40 points or less
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