Capital One Services, LLC

Martin Figueroa-Ramirez

Jennifer Kwok

Susan Hogan Davis

Tara Ann Hickey

Disclosed embodiments pertain to determining and communicating purchasing power through a visualization. A trained machine learning model can be invoked on a credit card without a preset limit to predict a dynamic spending limit based on credit card data or credit score data. Purchasing power can be computed as the difference between the dynamic spending limit and a current balance, and a purchase power class can be determined based on the purchasing power. Further, a graphic representation of a purchasing power class can be determined. Subsequently, presentation of the graphic representation can be triggered in a manner that overlays the graphic representation on or around the physical card.

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Silver Spring, MD, United States of America

Martin Figueroa-Ramirez