 Other scorecard types may include behavioural scorecards - which try to predict the probability of an "existing" account turning "bad"; propensity scorecards - which try to predict the probability that a customer would accept another product if offered one; and collections scorecards - which try to predict a customer's response to different strategies for collecting owed money.Credit strategy is concerned with turning predictions of customer behavior (as provided by scorecards) into a decision whether to accept their business.To turn an application score into a Yes/No decision, "cut-offs" are generally used.