Project Title

Credit Card Default Payment in Taiwan

About the Dataset

In recent years, the credit card issuers in Taiwan faced the cash and credit card debt crisis and the delinquency is expected to peak in the third quarter of 2006 (Chou,2006). In order to increase market share, card-issuing banks in Taiwan over-issued cash and credit cards to unqualified applicants. At the same time, most cardholders, irrespective of their repayment ability, overused credit card for consumption and accumulated heavy credit and cash–card debts. The crisis caused the blow to consumer finance confidence and it is a big challenge for both banks and cardholders

Dataset

We used the [Credit Card Default payment in Taiwan] (https://archive.ics.uci.edu/ml/datasets/default+of+credit+card+clients) to predict whether the credit card holders are defaulters or Non-defaulters. The Dataset and its attributes are described below

1. ID: ID of each client
2. LIMIT_BAL: Amount of given credit in NT dollars (includes individual and family/supplementary credit
3. SEX: Gender (1=male, 2=female)
4. EDUCATION: (1=graduate school, 2=university, 3=high school, 4=others, 5=unknown, 6=unknown)
5. MARRIAGE: Marital status (1=married, 2=single, 3=others)
6. AGE: Age in years
7. PAY_0: Repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months,8=payment delay for eight months, 9=payment delay for nine months and above)
8. PAY_2: Repayment status in August, 2005 (scale same as above)
9. PAY_3: Repayment status in July, 2005 (scale same as above)
10. PAY_4: Repayment status in June, 2005 (scale same as above)
11. PAY_5: Repayment status in May, 2005 (scale same as above)
12. PAY_6: Repayment status in April, 2005 (scale same as above)
13. BILL_AMT1: Amount of bill statement in September, 2005 (NT dollar)
14. BILL_AMT2: Amount of bill statement in August, 2005 (NT dollar)
15. BILL_AMT3: Amount of bill statement in July, 2005 (NT dollar)
16. BILL_AMT4: Amount of bill statement in June, 2005 (NT dollar)
17. BILL_AMT5: Amount of bill statement in May, 2005 (NT dollar)
18. BILL_AMT6: Amount of bill statement in April, 2005 (NT dollar)
19. PAY_AMT1: Amount of previous payment in September, 2005 (NT dollar)
20. PAY_AMT2: Amount of previous payment in August, 2005 (NT dollar)
21. PAY_AMT3: Amount of previous payment in July, 2005 (NT dollar)
22. PAY_AMT4: Amount of previous payment in June, 2005 (NT dollar)
23. PAY_AMT5: Amount of previous payment in May, 2005 (NT dollar)
24. PAY_AMT6: Amount of previous payment in April, 2005 (NT dollar)
25. default.payment.next.month: Default payment (1=yes, 0=no)