Which of the following is NOT a component of credit card performance tools?

The payment-to-income ratio is not typically classified as a component of credit card performance tools. Instead, this ratio is commonly used in evaluating consumer debt management and underwriting processes for loans and mortgages, where it assesses the proportion of a borrower's income that goes toward monthly debt obligations.

In contrast, delinquency ratio measures the percentage of accounts that are overdue, the default ratio indicates the frequency of customers failing to repay their debt, and the monthly payment rate denotes the average monthly payments made by cardholders. These metrics are essential for assessing the performance and credit risk of credit card portfolios, giving insights into the credit quality of borrowers and the financial health of lending institutions.