The fact that nobody can actually explain in a mathematical and deterministic way to a card holder exactly what goes into their creditworthiness is very problem

The fact that nobody can actually explain in a mathematical and deterministic way to a card holder exactly what goes into their creditworthiness is very problematic, given that creditworthiness is a foundational aspect of our economy. And in many cases, these algorithms are deemed proprietary. So there's no accountability AT ALL. How we were somehow ok with trusting 3 private for-profit companies with this much power always baffles me.