More than 100,000 Petal credit card accounts have been opened since the third quarter of 2018. The company, which markets primarily to consumers who are new to credit cards, has spent the last three years refining its credit risk management system by categorizing more than 1,000 data points within a prospect’s monthly cash flow, analyzing how income, expenses and savings are relevant to issuing credit. It now operates the fourth iteration of its risk model. Petal created cash flow-based decision models for cardholders who had thin or no files at the top credit bureaus, or who have files b...