So is the credit scoring algorithm open source and GPL'd? Uhhh no it's just a Visa card. It's like slapping a Penguin on the windows boot up screen and saying

So is the credit scoring algorithm open source and GPL'd? Uhhh no it's just a Visa card. It's like slapping a Penguin on the windows boot up screen and saying "buy this to support linux". By working with card partner, the linux foundation is essentially a affiliate marketer, helping to make umb bank lots of money. Nah thanks.