When creditors make a decision about approving an individual for a credit card, they consider an individual’s collateral apy credit score debt-to-income ratio?

Credit score

Explanation:

Credit score: is the analysis that shows the study of a persons credit, it represent how credit worthy an individual is. It is an individual's credit report obtained through the credit bureaus.

Financial institutions, lenders, etc use credit scores to determine the level of risk involved in lending money to a particular individual or organization. It is also used to determine the level of revenue a customer can bring, it is widely adopted not just by bank but also other organizations too.

someone i feel is a leader in my life id have to say would be my mother because she has give me great advice in life and got me out of tough situations. some characteristics she has are creativity, honesty, commitment, respect for others, and communication. one example of a situation when she demonstrated leadership was when i was working late on homework and i started to get stressed and got upset, she asked me if i needed some , and she me with my work. she demonstrated communication and commitment.

i don't know if this is exactly what your looking for but i hope this !