A method, a computer program product, and a computer system for making a decision of long step and healthy credit limit enhancement. A computer constructs a Markov decision process graph which includes nodes and edges, wherein the nodes represent respective states of one or more customer segments and the edges represent paths based on historical data. The computer applies long step actions for a respective one of the one or more customer segments, wherein the long step actions enhance more than one credit limit levels. The computer calculates gained values of the long step actions. The computer chooses an optimal long step action from the long step actions, wherein the optimal long step action has a maximum gained value.
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