Segment data updated Q2, 2024
Premium Credit Card
Target population whose estimated asset profile is high enough to qualify for a premium card. Estimated to be lower risk.
Standard Credit Card
Target population whose estimated asset profile is similar to those most likely to obtain a standard credit card. Estimated to be lower risk.
Sub-Prime Credit Card
Target population whose estimated lower income may still support a sub-prime offer.
Attracted to Low APR Offer
Target population likely to carry enough balance that they may likely seek a new credit card offer with a low APR.
Revolver
Target population likely to carry a credit card balance and whose estimated income means they are less likely to pay off that balance each month, thus accruing interest charges.
Transactor
Target population likely to carry a credit card balance but are likely to have sufficient income to pay off those balances.
Optimum Credit Cards Target
Target population likely to be an attractive credit card prospect based on a better than average estimated risk propensity.
Likely to Respond to Credit Card Offer
Target population likely to be responsive to a credit card offer based on an estimated credit profile similar to those who have a demonstrated, statistical propensity to acquire a new credit card.
Reliable Card Payers
Target population with a likely lower risk for delinquency based on higher estimated ability to pay their credit card accounts.
Card Balance Transfer Candidate
Target population likely to have moderate income and a credit card balance greater than $3,000, who most likely look for a better rate/card utilizing a Balance Transfer option.
Millennials - High Propensity for Credit Card Approval
Millennial households with attractive credit card prospects based on their estimated financial profile and likely credit behaviors.
Millennials - Likely to Respond to Credit Card Offer
Millennial households likely to respond to a credit card offer.
Millennials - Credit Card Transactor
Millennial households who carry a credit card balance yet have sufficient income to pay off those balances.
Open to New Credit Card Offer
Target population likely to be responsive to a credit card offer based on an estimated credit profile similar to those who have a demonstrated, statistical propensity to acquire a new credit card.
*Digital targeting segments from Equifax were not developed or intended to be taken into consideration as a factor in establishing or determining an individual’s eligibility for personal credit, insurance, or employment, or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. Equifax targeting segments neither contain nor reveal any personally identifiable information.