Taiwanese Credit Card Client Default Data from April to September 2005

From April to September 2005, this dataset contains information on default payments, demographic factors, credit data, and payment history for credit card clients in Taiwan. It includes 25 variables such as credit limit, gender, education, marital status, age, and six months of repayment and bill statement history. The dataset is sourced from the UCI Machine Learning Repository.

Use Cases

• Predicting client default probability based on demographic variables like age, education, and marital status.
• Identifying the strongest predictors of default payment using historical repayment status and bill amounts.
• Analyzing the relationship between credit limit (LIMIT_BAL) and default behavior.
• Building binary classification models with the target variable 'default.payment.next.month'.

Strengths

• Contains 25 variables covering demographics, credit data, and six months of detailed payment history.
• Explicit temporal coverage from April to September 2005 for the payment and bill data.
• Includes a clear binary target variable for default prediction.

Limitations

• Row count is unknown, which may limit suitability assessment.
• Column-level documentation beyond the listed names is absent; field semantics must be inferred after download.
• Data may reflect geographic and temporal bias specific to Taiwan in 2005.

Provenance

Source

UCI Machine Learning Repository

Time Range

April 2005 to September 2005

Geography

Taiwan