Cover for the September 2026 edition of the PYMNTS Intelligence and Thredd The Future of AI Credit Playbook. AI credit pays off only when customers use it, enabling flexible repayment, purchase-level pricing and decisions cardholders can understand.

AI Credit Gives Cardholders More Control Over How They Pay

Credit That Meets the Moment: What AI-Powered Credit Means for Customers

Younger cardholders say they would use their cards more if they could choose a repayment plan at checkout rather than rely on terms set at account opening. The latest installment of “The Future of AI Credit” playbook, a collaboration with Thredd, examines how flexible repayment, purchase-specific credit terms and transparent decisions can give cardholders more control and encourage greater card usage.

Inside the September Playbook

  • Traditional credit makes customers choose financing before buying. Transaction-level credit lets them choose how to pay after the purchase.
  • Credit files describe borrowers broadly, not individual purchases or cash flow. Real-time data lets AI price each transaction and reach more customers.
  • Opaque decisions push customers toward familiar cards. AI earns repeat use when its reasoning is clear and its controls belong to the customer.

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