Credit APP is based on statistical models that identifies the probability of customer good payment. With this information the Operator can adjust the credit limit based on that probability and minimize the potential losses from default. With this policy the relationship with customers is also improved and because of that it also impacts directly on Churn. The Credit APP uses NOW to support its predictions. It uses Hadoop processing to keep the repository updated and NOW Streamer component to achieve real time processing, keeping anonymous all the confidential information.