JPMorgan has recently studied a plan aimed at easing long-running disputes with its airline, retail, and other credit card partners. According to Sina Finance, the bank has also begun exploring whether other funding sources could provide credit for some applicants it rejects.

According to Sina Finance, JPMorgan has sent inquiries to more than a dozen firms to discuss participation in a so-called second-review application business, in which those firms would take on the credit risk of applications rejected by JPMorgan. Some of these firms have contacted private credit companies to test whether they would be willing to fund such credit.

Private credit firms raise money from investors and lend it out, mainly to borrowers that do not meet investment-grade bond standards. According to Sina Finance, these firms are increasingly moving into credit card debt.