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    Credit-card-approval-data-information

    Uploaded by

    Saurabh Bhosale
    credit card dataset

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd

    Credit-card-approval-data-information

    Uploaded by

    Saurabh Bhosale
    11 views3 pages
    credit card dataset

    Copyright

    © © All Rights Reserved

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    DOCX, PDF, TXT or read online from Scribd

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    credit card dataset

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    11 views3 pages

    Credit-card-approval-data-information

    Uploaded by

    Saurabh Bhosale
    credit card dataset

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
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    Credit Card Approval Prediction

    A Credit Card Dataset for Machine Learning

    About Dataset
    A Credit Card Dataset for Machine Learning!
    Context

    Credit score cards are a common risk control method in the financial industry. It uses
    personal information and data submitted by credit card applicants to predict the
    probability of future defaults and credit card borrowings. The bank is able to decide
    whether to issue a credit card to the applicant. Credit scores can objectively quantify
    the magnitude of risk.

    Generally speaking, credit score cards are based on historical data. Once
    encountering large economic fluctuations. Past models may lose their original
    predictive power. Logistic model is a common method for credit scoring. Because
    Logistic is suitable for binary classification tasks and can calculate the coefficients of
    each feature. In order to facilitate understanding and operation, the score card will
    multiply the logistic regression coefficient by a certain value (such as 100) and round
    it.

    At present, with the development of machine learning algorithms. More predictive


    methods such as Boosting, Random Forest, and Support Vector Machines have been
    introduced into credit card scoring. However, these methods often do not have good
    transparency. It may be difficult to provide customers and regulators with a reason
    for rejection or acceptance.

    Task

    Build a machine learning model to predict if an applicant is 'good' or 'bad' client,


    different from other tasks, the definition of 'good' or 'bad' is not given. You should
    use some techique, such as vintage analysis to construct you label. Also, unbalance
    data problem is a big problem in this task.

    Feature name Explanation Remarks

    ID Client number
    CODE_GENDER Gender

    FLAG_OWN_CAR Is there a car

    FLAG_OWN_REALTY Is there a
    property

    CNT_CHILDREN Number of
    children

    AMT_INCOME_TOTAL Annual income

    NAME_INCOME_TYPE Income
    category

    NAME_EDUCATION_TY Education level


    PE

    NAME_FAMILY_STATU Marital status


    S

    NAME_HOUSING_TYPE Way of living

    DAYS_BIRTH Birthday Count backwards from current day (0), -1 mea


    yesterday

    DAYS_EMPLOYED Start date of Count backwards from current day(0). If


    employment positive, it means the person currently
    unemployed.

    FLAG_MOBIL Is there a
    mobile phone

    FLAG_WORK_PHONE Is there a work


    phone

    FLAG_PHONE Is there a
    phone

    FLAG_EMAIL Is there an
    email

    OCCUPATION_TYPE Occupation

    CNT_FAM_MEMBERS Family size


    credit_record.c

    sv

    Feature name Explanati Remarks


    on

    ID Client
    number

    MONTHS_BALAN Record The month of the extracted data is the starting point,
    CE month backwards, 0 is the current month, -1 is the previous
    month, and so on

    STATUS Status 0: 1-29 days past due 1: 30-59 days past due 2: 60-89 da
    overdue 3: 90-119 days overdue 4: 120-149 days overdu
    5: Overdue or bad debts, write-offs for more than 150 da
    C: paid off that month X: No loan for the month

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