cardctl

Credit card decisioning and calculations. Part of the LendCtl Suite.

Features

• Credit Limit — Calculate recommended limit based on income, credit, and risk
• APR Assignment — Risk-based pricing tiers
• Balance Transfer — Analyze transfer opportunities with break-even analysis
• CLI Eligibility — Check credit line increase eligibility

Installation

npm install -g cardctl

Quick Start

Calculate Credit Limit

cardctl limit --income 75000 --credit-score 720 --existing-limits 10000

Get APR Assignment

cardctl apr --credit-score 720 --prime-rate 8.5

Analyze Balance Transfer

cardctl transfer --balance 5000 --current-apr 22 --promo-apr 0 --promo-months 18 --fee 3

Check CLI Eligibility

cardctl cli --current-limit 5000 --account-age 12 --payment-history excellent --utilization 45 --credit-score 720

Commands

cardctl limit

Calculate recommended credit limit.

Options:

• --income <amount> - Annual income (required)
• --credit-score <score> - Credit score (required)
• --existing-limits <amount> - Total existing credit limits
• --monthly-debt <amount> - Monthly debt payments
• --employment-months <months> - Months at current employer
• --bankruptcy-years <years> - Years since bankruptcy (if any)
• --format <type> - Output format (json|table)

cardctl apr

Calculate APR tiers based on credit profile.

Options:

• --credit-score <score> - Credit score (required)
• --prime-rate <rate> - Current prime rate (default: 8.5)
• --format <type> - Output format (json|table)

cardctl transfer

Analyze balance transfer opportunity.

Options:

• --balance <amount> - Current balance to transfer (required)
• --current-apr <rate> - Current APR (required)
• --promo-apr <rate> - Promotional APR (default: 0)
• --promo-months <months> - Promotional period (default: 18)
• --fee <percent> - Transfer fee percentage (default: 3)
• --payment <amount> - Monthly payment (auto-calculated if omitted)
• --format <type> - Output format (json|table)

cardctl cli

Check eligibility for credit line increase.

Options:

• --current-limit <amount> - Current credit limit (required)
• --account-age <months> - Account age in months (required)
• --payment-history <quality> - Payment history: excellent|good|fair|poor (required)
• --utilization <percent> - Current utilization % (required)
• --credit-score <score> - Current credit score (required)
• --last-increase <months> - Months since last increase
• --format <type> - Output format (json|table)

Credit Tiers

| Tier | Score Range | Limit Multiplier | APR Margin | |------|-------------|------------------|------------| | Superprime | 750+ | 35% of income | 10.99% | | Prime | 700-749 | 25% of income | 15.99% | | Near-prime | 650-699 | 18% of income | 21.99% | | Subprime | 580-649 | 12% of income | 25.99% | | Deep Subprime | <580 | 5% of income | 29.99% |

JSON Output

All commands support --format json for programmatic use:

cardctl limit --income 75000 --credit-score 720 --format json | jq

Part of LendCtl Suite

• finctl — Income/DTI calculator
• creditctl — Credit report analysis
• mortctl — Mortgage underwriting
• autoloanctl — Auto loan calculations
• compctl — Lending compliance
• auditctl — Audit logging
• persctl — Personal loans
• cardctl — Credit card decisioning (this package)

License

Apache-2.0 © Satyan Avatara