You do realise that the common understanding of a “credit score” is complete bollocks right? There's no single magic number thats your credit score, other than

You do realise that the common understanding of a “credit score” is complete bollocks right? There's no single magic number thats your credit score, other than the one credit reference agencies provide, which no bank worth their salt uses, making that number meaningless. Banks buy credit files from reference agencies, which contain hundreds of different data points for each individual. Then the bank use their own internal models to calculate credit risk, or identify customers they like. That model will be different at every bank, and for every class of product they sell. If this wasn’t true, then there would be no differentiation between lenders, other than interest rate. Leaders use their own secret sauce models to help them identify and classify specific groups of individuals that meet their risk appetite. And they won’t just be optimising for repayment or profit, they’ll also be looking to ensure their loan book is highly diverse. Ensuring they’re not overexposed to big events (like, say, a global pandemic), which might disproportionately impact a subset of customers (such as people working in hospitality). So the idea that 20 cards is some magic number for a good “credit score” is just crap. And grossly underestimates both the diversity and complexity of credit decisioning.