In the trenches of the credit card wars, the scorecard is the weapon of choice for targeting desirable applicants. As market share tightens, bankers are relying on these computerized behavior models to tap the best customers, manage their existing accounts, and make marketing decisions.

Fair, Isaac & Co. of San Rafael, Calf., the leading credit scoring vendor, dominates the industry, with revenues of $66.7 million for fiscal 1993.

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