As long as the logic includes a check on account birth (not your birthday, when the account was opened) I think for us oldsters who got one in the early 2000s there's a simple continuous-use test. It isn't infalliable, but the age of an account should weight strongly in their model no matter how many kids cartoons you watch.
If you're under 18 and doing actuarial studies, or accounting, remember kids those hard yards revising tax law and age-death statistics pay back!