A dataset containing credit history information for credit card applicants. This dataset is sourced from the AER package.
data(creditCard)A data frame with 1,319 observations and 12 variables:
Factor. Whether the credit card application was accepted (Yes/No)
Numeric. Number of major derogatory reports on the applicant's credit history
Numeric. Age in years plus twelfths of a year (e.g., 30.5 represents 30 years and 6 months)
Numeric. Annual income in USD (divided by 10,000)
Numeric. Ratio of monthly credit card expenditure to yearly income
Numeric. Average monthly credit card expenditure in USD
Factor. Home ownership status (Yes/No)
Factor. Self-employment status (Yes/No)
Numeric. Number of dependents
Numeric. Number of months living at current address
Numeric. Number of major credit cards held
Numeric. Number of active credit accounts
Greene, W.H. (2003). Econometric Analysis, 5th edition. Upper Saddle River, NJ: Prentice Hall.
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.
CreditCard for the original dataset in the AER package
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