Credit decisions should start with information.

1. Layer 1

   Eligibility engine

   A gradient-boosted ensemble estimates approval confidence, risk tier and an expected limit range across the card set at once.

   XGBoost + LightGBM, explained per prediction with SHAP

2. Layer 2

   Policy retrieval

   Issuer criteria are read from the actual source documents, so a policy change propagates by re-ingesting a PDF rather than editing code.

   Vector retrieval over MITC, eligibility and RBI documents

3. Layer 3

   Advisory agents

   Specialised agents cover credit analysis, card value, policy compliance and guidance, then reconcile into one accountable answer.

   Supervisor-routed agents with cited, traceable output

Credlytic is in active development. The experience published here runs on illustrative sample data, and every figure in the interface is labelled as such.

• Ranked by fit, never by commission

  Results are ordered by approval confidence and what a card is worth against your spending. Commercial arrangements never move a card up the list.

• Every claim carries its source

  Statements about issuer criteria cite the document they came from and the date it was reviewed, so you can check the reasoning rather than trust it.

• Checking costs you nothing

  Assessing eligibility with Credlytic does not request a bureau inquiry and does not affect your credit score.

• We do not promise approval

  Credlytic estimates confidence from published criteria and the profile you provide. The issuer decides, and may use data we cannot see.