 Lenders are generally happier to extend a larger limit to higher scoring customers than to lower scoring customers, because they are more likely to pay borrowings back.Alongside scorecards lie "policy rules" which apply regulatory requirements (such as making sure there is no lending to under 18s) and other lending policy (such as many lenders will not lend to customers who have a CCJ registered against them).Credit Strategy is also concerned with the ongoing management of a customer's account, especially with "revolving" credit products such as credit cards, overdrafts and flexible loans, where the customer's balance can go up as well as down.