Abstract
Credit card default has always existed. In this case, understanding what causes credit card default has become a matter of concern for banks and the whole society. It is necessary to understand the reasons and reduce the risk of default. This paper explores the possible causes of credit card default by studying individual credit card limit, gender, education, marriage, repayment time, bill statement and consumption amount, and combining the comparison, regression, and factor analysis in SPSS. After analysis and research, the first four possible reasons are bill statement, repayment time, consumption amount and age. In this paper, the analysis of possible causes of credit card default can help banks better understand risks, improve risk control strategies and marketing strategies.
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