Set limits on real affordability.
Open banking turns a declared income into a verified one and a guessed budget into a real one. Credit Canary reads the applicant's account to set and review credit card limits on what they genuinely earn and can afford, in line with the Consumer Duty.
Declared, then verified
A typed income is a claim. Open banking is the evidence.
- Income and outgoings as typed by the applicant
- Limits set on bureau data and assumptions
- Thin-file customers declined by default
- Affordability reviewed rarely, if at all
- Income verified from real salary credits
- Committed spend read from actual transactions
- Thin-file but affordable customers approved on evidence
- Affordability re-checked at limit increases
Open banking across the card lifecycle
From application to limit management, evidenced throughout.
Income
Verify salary and other income down to the payer.
Affordability
Measure real commitments and surplus, not a declared figure.
Conduct
Surface gambling, high-cost credit and returned payments.
Consumer Duty
Evidence a fair, affordable decision you can defend.
The statement, turned into a decision
The same Open Banking enrichment behind our wider work, read as verified income and affordability.
Insight from across the platform
Card decisions draw on the same Open Banking depth and modules as the rest of Credit Canary.
Income verification
Turning transactions into verified, evidenced income.
Affordability assessment
Real income minus committed spending, not a declared guess.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability score
A decision-ready affordability view from real transactions.
Decisioning engine
Policy, data and models in one live, explainable decision.
All consumer credit products
Credit cards, BNPL, mortgages, car finance and more.
Set card limits on evidenced affordability.
See how Credit Canary verifies income and affordability from a real account.