ID
int64
1
30k
LIMIT_BAL
float64
10k
1M
SEX
int64
1
2
EDUCATION
int64
0
6
MARRIAGE
int64
0
3
AGE
int64
21
79
PAY_0
int64
-2
8
PAY_2
int64
-2
8
PAY_3
int64
-2
8
PAY_4
int64
-2
8
PAY_5
int64
-2
8
PAY_6
int64
-2
8
BILL_AMT1
int64
-165,580
965k
BILL_AMT2
float64
-69,777
984k
BILL_AMT3
float64
-157,264
1.66M
BILL_AMT4
int64
-170,000
892k
BILL_AMT5
float64
-81,334
927k
BILL_AMT6
float64
-339,603
962k
PAY_AMT1
float64
0
874k
PAY_AMT2
float64
0
1.68M
PAY_AMT3
float64
0
896k
PAY_AMT4
float64
0
621k
PAY_AMT5
float64
0
427k
PAY_AMT6
float64
0
529k
default.payment.next.month
int64
0
1
1
20,000
2
2
1
24
2
2
-1
-1
-2
-2
3,913
3,102
689
0
0
0
0
689
0
0
0
0
1
2
120,000
2
2
2
26
-1
2
0
0
0
2
2,682
1,725
2,682
3,272
3,455
3,261
0
1,000
1,000
1,000
0
2,000
1
3
90,000
2
2
2
34
0
0
0
0
0
0
29,239
14,027
13,559
14,331
14,948
15,549
1,518
1,500
1,000
1,000
1,000
5,000
0
4
50,000
2
2
1
37
0
0
0
0
0
0
46,990
48,233
49,291
28,314
28,959
29,547
2,000
2,019
1,200
1,100
1,069
1,000
0
5
50,000
1
2
1
57
-1
0
-1
0
0
0
8,617
5,670
35,835
20,940
19,146
19,131
2,000
36,681
10,000
9,000
689
679
0
6
50,000
1
1
2
37
0
0
0
0
0
0
64,400
57,069
57,608
19,394
19,619
20,024
2,500
1,815
657
1,000
1,000
800
0
7
500,000
1
1
2
29
0
0
0
0
0
0
367,965
412,023
445,007
542,653
483,003
473,944
55,000
40,000
38,000
20,239
13,750
13,770
0
8
100,000
2
2
2
23
0
-1
-1
0
0
-1
11,876
380
601
221
-159
567
380
601
0
581
1,687
1,542
0
9
140,000
2
3
1
28
0
0
2
0
0
0
11,285
14,096
12,108
12,211
11,793
3,719
3,329
0
432
1,000
1,000
1,000
0
10
20,000
1
3
2
35
-2
-2
-2
-2
-1
-1
0
0
0
0
13,007
13,912
0
0
0
13,007
1,122
0
0
11
200,000
2
3
2
34
0
0
2
0
0
-1
11,073
9,787
5,535
2,513
1,828
3,731
2,306
12
50
300
3,738
66
0
12
260,000
2
1
2
51
-1
-1
-1
-1
-1
2
12,261
21,670
9,966
8,517
22,287
13,668
21,818
9,966
8,583
22,301
0
3,640
0
13
630,000
2
2
2
41
-1
0
-1
-1
-1
-1
12,137
6,500
6,500
6,500
6,500
2,870
1,000
6,500
6,500
6,500
2,870
0
0
14
70,000
1
2
2
30
1
2
2
0
0
2
65,802
67,369
65,701
66,782
36,137
36,894
3,200
0
3,000
3,000
1,500
0
1
15
250,000
1
1
2
29
0
0
0
0
0
0
70,887
67,060
63,561
59,696
56,875
55,512
3,000
3,000
3,000
3,000
3,000
3,000
0
16
50,000
2
3
3
23
1
2
0
0
0
0
50,614
29,173
28,116
28,771
29,531
30,211
0
1,500
1,100
1,200
1,300
1,100
0
17
20,000
1
1
2
24
0
0
2
2
2
2
15,376
18,010
17,428
18,338
17,905
19,104
3,200
0
1,500
0
1,650
0
1
18
320,000
1
1
1
49
0
0
0
-1
-1
-1
253,286
246,536
194,663
70,074
5,856
195,599
10,358
10,000
75,940
20,000
195,599
50,000
0
19
360,000
2
1
1
49
1
-2
-2
-2
-2
-2
0
0
0
0
0
0
0
0
0
0
0
0
0
20
180,000
2
1
2
29
1
-2
-2
-2
-2
-2
0
0
0
0
0
0
0
0
0
0
0
0
0
21
130,000
2
3
2
39
0
0
0
0
0
-1
38,358
27,688
24,489
20,616
11,802
930
3,000
1,537
1,000
2,000
930
33,764
0
22
120,000
2
2
1
39
-1
-1
-1
-1
-1
-1
316
316
316
0
632
316
316
316
0
632
316
0
1
23
70,000
2
2
2
26
2
0
0
2
2
2
41,087
42,445
45,020
44,006
46,905
46,012
2,007
3,582
0
3,601
0
1,820
1
24
450,000
2
1
1
40
-2
-2
-2
-2
-2
-2
5,512
19,420
1,473
560
0
0
19,428
1,473
560
0
0
1,128
1
25
90,000
1
1
2
23
0
0
0
-1
0
0
4,744
7,070
0
5,398
6,360
8,292
5,757
0
5,398
1,200
2,045
2,000
0
26
50,000
1
3
2
23
0
0
0
0
0
0
47,620
41,810
36,023
28,967
29,829
30,046
1,973
1,426
1,001
1,432
1,062
997
0
27
60,000
1
1
2
27
1
-2
-1
-1
-1
-1
-109
-425
259
-57
127
-189
0
1,000
0
500
0
1,000
1
28
50,000
2
3
2
30
0
0
0
0
0
0
22,541
16,138
17,163
17,878
18,931
19,617
1,300
1,300
1,000
1,500
1,000
1,012
0
29
50,000
2
3
1
47
-1
-1
-1
-1
-1
-1
650
3,415
3,416
2,040
30,430
257
3,415
3,421
2,044
30,430
257
0
0
30
50,000
1
1
2
26
0
0
0
0
0
0
15,329
16,575
17,496
17,907
18,375
11,400
1,500
1,500
1,000
1,000
1,600
0
0
31
230,000
2
1
2
27
-1
-1
-1
-1
-1
-1
16,646
17,265
13,266
15,339
14,307
36,923
17,270
13,281
15,339
14,307
37,292
0
0
32
50,000
1
2
2
33
2
0
0
0
0
0
30,518
29,618
22,102
22,734
23,217
23,680
1,718
1,500
1,000
1,000
1,000
716
1
33
100,000
1
1
2
32
0
0
0
0
0
0
93,036
84,071
82,880
80,958
78,703
75,589
3,023
3,511
3,302
3,204
3,200
2,504
0
34
500,000
2
2
1
54
-2
-2
-2
-2
-2
-2
10,929
4,152
22,722
7,521
71,439
8,981
4,152
22,827
7,521
71,439
981
51,582
0
35
500,000
1
1
1
58
-2
-2
-2
-2
-2
-2
13,709
5,006
31,130
3,180
0
5,293
5,006
31,178
3,180
0
5,293
768
0
36
160,000
1
1
2
30
-1
-1
-2
-2
-2
-1
30,265
-131
-527
-923
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-1,884
131
396
396
565
792
0
0
37
280,000
1
2
1
40
0
0
0
0
0
0
186,503
181,328
180,422
170,410
173,901
177,413
8,026
8,060
6,300
6,400
6,400
6,737
0
38
60,000
2
2
2
22
0
0
0
0
0
-1
15,054
9,806
11,068
6,026
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18,660
1,500
1,518
2,043
0
47,671
617
0
39
50,000
1
1
2
25
1
-1
-1
-2
-2
-2
0
780
0
0
0
0
780
0
0
0
0
0
1
40
280,000
1
1
2
31
-1
-1
2
-1
0
-1
498
9,075
4,641
9,976
17,976
9,477
9,075
0
9,976
8,000
9,525
781
0
41
360,000
1
1
2
33
0
0
0
0
0
0
218,668
221,296
206,895
628,699
195,969
179,224
10,000
7,000
6,000
188,840
28,000
4,000
0
42
70,000
2
1
2
25
0
0
0
0
0
0
67,521
66,999
63,949
63,699
64,718
65,970
3,000
4,500
4,042
2,500
2,800
2,500
0
43
10,000
1
2
2
22
0
0
0
0
0
0
1,877
3,184
6,003
3,576
3,670
4,451
1,500
2,927
1,000
300
1,000
500
0
44
140,000
2
2
1
37
0
0
0
0
0
0
59,504
61,544
62,925
64,280
67,079
69,802
3,000
3,000
3,000
4,000
4,000
3,000
0
45
40,000
2
1
2
30
0
0
0
2
0
0
18,927
21,295
25,921
25,209
26,636
29,197
3,000
5,000
0
2,000
3,000
0
0
46
210,000
1
1
2
29
-2
-2
-2
-2
-2
-2
0
0
0
0
0
0
0
0
0
0
0
0
1
47
20,000
2
1
2
22
0
0
2
-1
0
0
14,028
16,484
15,800
16,341
16,675
0
3,000
0
16,741
334
0
0
1
48
150,000
2
5
2
46
0
0
-1
0
0
-2
4,463
3,034
1,170
1,170
0
0
1,013
1,170
0
0
0
0
1
49
380,000
1
2
2
32
-1
-1
-1
-1
-1
-1
22,401
21,540
15,134
32,018
11,849
11,873
21,540
15,138
24,677
11,851
11,875
8,251
0
50
20,000
1
1
2
24
0
0
0
0
0
0
17,447
18,479
19,476
19,865
20,480
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1,318
1,315
704
928
912
1,069
0
51
70,000
1
3
2
42
1
2
2
2
2
0
37,042
36,171
38,355
39,423
38,659
39,362
0
3,100
2,000
0
1,500
1,500
1
52
100,000
2
3
3
43
0
0
0
0
0
0
61,559
51,163
43,824
39,619
35,762
33,258
2,000
1,606
1,500
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1,500
1,000
0
53
310,000
2
2
1
49
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-2
-2
-2
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13,465
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464
7,875
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11,185
3,544
464
0
0
54
180,000
2
1
2
25
1
2
0
0
0
0
41,402
41,742
42,758
43,510
44,420
45,319
1,300
2,010
1,762
1,762
1,790
1,622
0
55
150,000
2
1
2
29
2
0
0
0
0
0
46,224
34,993
31,434
26,518
21,042
16,540
1,600
1,718
1,049
1,500
2,000
5,000
0
56
500,000
2
1
1
45
-2
-2
-2
-2
-2
-2
1,905
3,640
162
0
151
2,530
3,640
162
0
151
2,530
0
0
57
180,000
2
3
1
34
0
0
0
-1
-1
-1
16,386
15,793
8,441
7,142
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8,321
8,500
1,500
7,500
679
9,000
2,000
0
58
180,000
2
2
1
34
0
0
0
0
0
0
175,886
173,440
172,308
168,608
132,202
129,918
8,083
7,296
5,253
4,814
4,816
3,800
0
59
200,000
2
1
2
34
-1
3
2
2
2
2
1,587
1,098
782
1,166
700
1,414
0
0
700
0
1,200
0
0
60
400,000
2
2
1
29
0
0
0
0
0
0
400,134
398,857
404,205
360,199
356,656
364,089
17,000
15,029
30,000
12,000
12,000
23,000
0
61
500,000
2
3
1
28
0
0
0
0
0
0
22,848
23,638
18,878
14,937
13,827
15,571
1,516
1,300
1,000
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2,000
2,000
1
62
70,000
1
2
1
39
0
0
0
0
0
-1
70,800
72,060
69,938
16,518
14,096
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4,025
2,095
1,000
2,000
3,000
0
0
63
50,000
1
1
2
29
2
2
2
2
2
2
24,987
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26,591
25,865
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28,264
0
2,700
0
2,225
1,200
0
1
64
50,000
2
2
1
46
0
0
0
-2
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-2
28,718
29,166
0
0
0
0
1,000
0
0
0
0
0
1
65
130,000
2
2
1
51
-1
-1
-2
-2
-1
-1
99
0
0
0
2,353
0
0
0
0
2,353
0
0
0
66
200,000
1
1
1
57
-2
-2
-2
-1
2
2
152,519
148,751
144,076
8,174
8,198
7,918
0
0
8,222
300
0
1,000
1
67
10,000
1
2
1
56
2
2
2
0
0
0
2,097
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3,978
4,062
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4,326
2,300
0
150
200
200
160
1
68
210,000
2
1
2
30
2
-1
-1
-1
-1
-1
300
300
1,159
2,280
300
4,250
300
1,159
2,280
300
4,250
909
0
69
130,000
2
3
2
29
1
-2
-2
-1
2
-1
-190
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10,311
10,161
7,319
0
0
20,161
0
7,319
13,899
0
70
20,000
1
5
2
22
2
0
0
0
0
0
18,565
17,204
17,285
18,085
11,205
5,982
0
1,200
1,000
500
1,000
0
0
71
80,000
1
1
2
31
-1
-1
-1
-1
-1
-1
780
0
390
390
390
390
0
390
390
390
390
390
0
72
320,000
1
2
2
29
2
2
2
2
2
2
58,267
59,246
60,184
58,622
62,307
63,526
2,500
2,500
0
4,800
2,400
1,600
1
73
200,000
2
2
1
32
-1
-1
-1
-1
2
-1
9,076
5,787
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5,247
3,848
3,151
5,818
15
9,102
17
3,165
1,395
0
74
290,000
2
1
2
37
1
-2
-1
-1
-1
-1
0
0
3,155
0
2,359
0
0
3,155
0
2,359
0
0
0
75
340,000
1
1
2
32
-1
-1
-1
-1
-1
-1
3,048
5,550
23,337
4,291
80,153
25,820
5,713
23,453
4,314
80,552
25,949
2,016
0
76
20,000
1
2
2
24
0
0
2
0
0
0
14,619
17,216
16,642
16,976
17,332
18,543
2,850
0
610
630
1,500
0
0
77
50,000
1
3
2
25
-1
0
0
0
0
0
42,838
37,225
36,087
9,636
9,590
10,030
1,759
1,779
320
500
1,000
1,000
0
78
300,000
2
1
1
45
-1
-1
-1
-1
-1
-1
291
291
291
291
291
291
291
291
291
291
291
291
0
79
30,000
2
2
2
22
0
0
0
0
0
0
28,387
29,612
30,326
28,004
26,446
6,411
1,686
1,400
560
3,000
1,765
0
1
80
240,000
2
2
2
44
1
-2
-2
-2
-2
-2
0
0
0
0
0
0
0
0
0
0
0
0
1
81
470,000
2
3
3
33
0
0
0
0
0
0
165,254
157,784
162,702
69,923
29,271
29,889
6,400
7,566
3,000
960
1,000
3,000
0
82
360,000
2
1
2
26
0
0
0
0
0
-1
23,411
27,796
30,400
33,100
180,000
196
4,796
3,400
3,100
146,900
196
2,963
0
83
60,000
1
3
2
30
0
0
0
0
0
0
26,324
27,471
28,108
21,993
19,899
19,771
1,576
1,213
648
768
1,140
0
1
84
400,000
2
2
1
44
0
0
2
0
0
0
131,595
139,060
126,819
104,430
104,990
94,058
10,700
3
3,050
3,000
3,200
2,800
0
85
50,000
2
3
2
49
0
0
0
0
0
0
48,909
47,863
21,489
20,414
19,342
19,482
1,676
1,302
700
699
849
826
0
86
160,000
1
2
2
33
0
0
0
0
0
0
130,028
107,808
71,934
118,418
118,407
120,418
4,400
3,547
80,000
4,500
4,800
4,500
0
87
360,000
2
1
1
45
-1
-1
2
0
-1
-1
390
1,170
780
390
390
390
1,170
0
0
390
390
390
1
88
160,000
2
2
2
32
0
0
0
0
0
-1
3,826
4,751
6,604
8,604
7,072
766
1,147
2,000
2,000
0
766
2,303
0
89
130,000
2
1
1
35
0
0
0
-1
-1
-1
81,313
117,866
17,740
1,330
7,095
1,190
40,000
5,000
1,330
7,095
1,190
2,090
0
90
20,000
1
3
2
44
2
2
0
0
0
2
8,583
8,303
9,651
10,488
12,314
11,970
0
1,651
1,000
2,000
0
1,500
0
91
200,000
1
1
1
53
2
2
2
2
2
2
138,180
140,774
142,460
144,098
147,124
149,531
6,300
5,500
5,500
5,500
5,000
5,000
1
92
280,000
2
1
2
39
-1
-1
-1
0
0
-2
7,524
0
3,968
3,868
0
0
0
3,968
0
0
0
0
0
93
100,000
2
1
2
27
-2
-2
-2
-2
-2
-2
-2,000
5,555
0
0
0
0
7,555
0
0
0
0
0
0
94
160,000
2
2
1
37
-1
-1
-1
-1
-1
-2
880
1,602
840
840
0
0
1,602
840
840
0
0
7,736
0
95
60,000
2
2
2
23
0
0
0
0
0
0
45,648
46,850
47,214
19,595
19,209
19,323
1,937
1,301
682
690
816
835
0
96
90,000
1
2
2
35
0
0
0
0
0
0
83,725
85,996
87,653
35,565
30,942
30,835
3,621
3,597
1,179
1,112
1,104
1,143
0
97
360,000
1
1
1
43
-1
-1
-1
-1
-1
0
3,967
8,322
3,394
6,451
26,370
9,956
8,339
3,394
12,902
27,000
0
68,978
0
98
150,000
1
1
2
27
0
0
0
0
0
0
86,009
86,108
89,006
89,775
87,725
40,788
4,031
10,006
3,266
4,040
1,698
800
0
99
50,000
2
3
1
22
0
0
0
0
0
0
18,722
18,160
16,997
13,150
8,866
7,899
1,411
1,194
379
281
321
197
0
100
20,000
1
2
1
38
0
0
0
0
0
-1
17,973
19,367
19,559
18,240
17,928
150
1,699
1,460
626
1,750
150
0
1

Default of Credit Card Clients Dataset

The following was retrieved from UCI machine learning repository.

Dataset Information

This dataset contains information on default payments, demographic factors, credit data, history of payment, and bill statements of credit card clients in Taiwan from April 2005 to September 2005.

Content

There are 25 variables:

  • ID: ID of each client
  • LIMIT_BAL: Amount of given credit in NT dollars (includes individual and family/supplementary credit
  • SEX: Gender (1=male, 2=female)
  • EDUCATION: (1=graduate school, 2=university, 3=high school, 4=others, 5=unknown, 6=unknown)
  • MARRIAGE: Marital status (1=married, 2=single, 3=others)
  • AGE: Age in years
  • 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)
  • PAY_2: Repayment status in August, 2005 (scale same as above)
  • PAY_3: Repayment status in July, 2005 (scale same as above)
  • PAY_4: Repayment status in June, 2005 (scale same as above)
  • PAY_5: Repayment status in May, 2005 (scale same as above)
  • PAY_6: Repayment status in April, 2005 (scale same as above)
  • BILL_AMT1: Amount of bill statement in September, 2005 (NT dollar)
  • BILL_AMT2: Amount of bill statement in August, 2005 (NT dollar)
  • BILL_AMT3: Amount of bill statement in July, 2005 (NT dollar)
  • BILL_AMT4: Amount of bill statement in June, 2005 (NT dollar)
  • BILL_AMT5: Amount of bill statement in May, 2005 (NT dollar)
  • BILL_AMT6: Amount of bill statement in April, 2005 (NT dollar)
  • PAY_AMT1: Amount of previous payment in September, 2005 (NT dollar)
  • PAY_AMT2: Amount of previous payment in August, 2005 (NT dollar)
  • PAY_AMT3: Amount of previous payment in July, 2005 (NT dollar)
  • PAY_AMT4: Amount of previous payment in June, 2005 (NT dollar)
  • PAY_AMT5: Amount of previous payment in May, 2005 (NT dollar)
  • PAY_AMT6: Amount of previous payment in April, 2005 (NT dollar)
  • default.payment.next.month: Default payment (1=yes, 0=no)

Inspiration

Some ideas for exploration:

How does the probability of default payment vary by categories of different demographic variables? Which variables are the strongest predictors of default payment?

Acknowledgements Any publications based on this dataset should acknowledge the following:

Lichman, M. (2013). UCI Machine Learning Repository [http://archive.ics.uci.edu/ml]. Irvine, CA: University of California, School of Information and Computer Science.

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