Abstract

As a kind of credit loan business without collateral, credit card business has a high risk. The scale of bank credit card business is growing rapidly, but the credit management of bank for all levels of credit card is not mature, resulting in the risk of credit card business and related business problems. An Australian credit card transaction data is proposed to predict the occurrence of credit card default. The results show that the bank card application is mainly affected by six key factors. The bank could focus on influential factors and consider whether to accept the customer's credit card application according to the fitting model.

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