Bank Account Underwriting

Here's an expanded version of the credit card underwriting module that incorporates the applicant's bank account history as an additional factor:

class CreditCardUnderwriter:
    def __init__(self, credit_score, income, bank_account_history):
        self.credit_score = credit_score
        self.income = income
        self.bank_account_history = bank_account_history

    def evaluate_eligibility(self):
        if self.credit_score >= 700 and self.income >= 30000 and self.bank_account_history >= 2:
            return "Approved"
        elif self.credit_score >= 600 and self.income >= 25000 and self.bank_account_history >= 1:
            return "Conditional Approval"
        else:
            return "Declined"


# Example usage
credit_score = 720
income = 35000
bank_account_history = 2

underwriter = CreditCardUnderwriter(credit_score, income, bank_account_history)
eligibility_status = underwriter.evaluate_eligibility()

print("Eligibility Status:", eligibility_status)

In this updated version, the CreditCardUnderwriter class now includes an additional parameter bank_account_history, which represents the number of years the applicant has had a bank account. The evaluate_eligibility method is modified to take this factor into account during the underwriting process.

In the revised eligibility criteria, meeting the previous conditions of a credit score of 700 or above and an income of 30000 or above is necessary. Additionally, the applicant must have a bank account history of 2 years or more to be approved. For a conditional approval, a credit score of 600 or above, an income of 25000 or above, and at least 1 year of bank account history are required.

By considering the bank account history as an additional factor, you can make more informed underwriting decisions based on the applicant's financial stability and history. You can further extend and customize the underwriting criteria to suit your specific requirements and business rules.