A dataset containing credit history information for credit card applicants. This dataset is sourced from the AER package.
Usage
data(creditCard)Format
A data frame with 1,319 observations and 12 variables:
- card
Factor. Whether the credit card application was accepted (Yes/No)
- reports
Numeric. Number of major derogatory reports on the applicant's credit history
- age
Numeric. Age in years plus twelfths of a year (e.g., 30.5 represents 30 years and 6 months)
- income
Numeric. Annual income in USD (divided by 10,000)
- share
Numeric. Ratio of monthly credit card expenditure to yearly income
- expenditure
Numeric. Average monthly credit card expenditure in USD
- owner
Factor. Home ownership status (Yes/No)
- selfemp
Factor. Self-employment status (Yes/No)
- dependents
Numeric. Number of dependents
- months
Numeric. Number of months living at current address
- majorcards
Numeric. Number of major credit cards held
- active
Numeric. Number of active credit accounts
Source
Greene, W.H. (2003). Econometric Analysis, 5th edition. Upper Saddle River, NJ: Prentice Hall.
Details
This dataset is commonly used for credit risk analysis and modeling credit card approval decisions. It provides a comprehensive view of various factors that may influence credit card application outcomes.
Examples
data(creditCard)
summary(creditCard)
#> card reports age income
#> no : 296 Min. : 0.0000 Min. : 0.1667 Min. : 0.210
#> yes:1023 1st Qu.: 0.0000 1st Qu.:25.4167 1st Qu.: 2.244
#> Median : 0.0000 Median :31.2500 Median : 2.900
#> Mean : 0.4564 Mean :33.2131 Mean : 3.365
#> 3rd Qu.: 0.0000 3rd Qu.:39.4167 3rd Qu.: 4.000
#> Max. :14.0000 Max. :83.5000 Max. :13.500
#> share expenditure owner selfemp dependents
#> Min. :0.0001091 Min. : 0.000 no :738 no :1228 Min. :0.0000
#> 1st Qu.:0.0023159 1st Qu.: 4.583 yes:581 yes: 91 1st Qu.:0.0000
#> Median :0.0388272 Median : 101.298 Median :1.0000
#> Mean :0.0687322 Mean : 185.057 Mean :0.9939
#> 3rd Qu.:0.0936168 3rd Qu.: 249.036 3rd Qu.:2.0000
#> Max. :0.9063205 Max. :3099.505 Max. :6.0000
#> months majorcards active
#> Min. : 0.00 Min. :0.0000 Min. : 0.000
#> 1st Qu.: 12.00 1st Qu.:1.0000 1st Qu.: 2.000
#> Median : 30.00 Median :1.0000 Median : 6.000
#> Mean : 55.27 Mean :0.8173 Mean : 6.997
#> 3rd Qu.: 72.00 3rd Qu.:1.0000 3rd Qu.:11.000
#> Max. :540.00 Max. :1.0000 Max. :46.000