The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or more optimal monthly and/or transactional spending limits. Further, the present invention provides a means for setting varying monthly and/or transaction spending limits for purchases from any number of industries. Providing card members with information regarding optimal spending limits reduces the occurrences of declined credit transactions. A program administrator may also utilize the present invention to provide any number of limit scenarios in order to persuade a card member to increase their client-imposed credit limit to an optimal level thereby reducing the card member's inconvenience caused by declined purchase transactions while recapturing lost revenues by the card issuer.