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Jul 20, 2019 at 13:15 comment added user "Each bank is going to have their own formula, based on their individual experience." ...and they are likely going to refine it over time, in response to a variety of events, so even if you figure out how it works now, that information is likely to be out of date in a few years anyway.
Jul 20, 2019 at 9:03 history edited Peter K. CC BY-SA 4.0
Word choice
Apr 8, 2013 at 1:18 history answered stoj CC BY-SA 3.0