Wait, so she has left the workforce, and is a millionaire as far as savings, and pays all her debts onetime. Of course she's going to have a lower credit line! She's the worst type of person to loan money to: people who pay everything on time. She's going to cost the bank money and gain them very little.<p>Not much is said about her husband, but if he carries any balances or has had a shorter credit history or has any higher risk, aren't the algorithms going to be weighted to give people like him way more credit? That's who they need to make money off of.<p>There are a lot of unknowns here and we're guessing at a lot of information. Many of these algorithms are also closed so we can't be sure how they're weighting things. We can guess, reasonably, that they're weighted toward making the most money for the banks as possible. They probably balance risks with ability to pay back on those risks.<p>Jumping to conclusions like, "the algorithms are sexist," is way too overly simplistic. It could be that the major weight was gender in this case, but if that's true, it's probably because the number crunching revealed men in her husband's demographic were most likely to be unable to pay off all purchases at once and earn them more money via interest. More likely, it's way way more complicated than that.