Description of the Credit Card Capability Data:

The Credit Card Capability Data: Determining Factors encompass various metrics used by financial institutions to evaluate credit card eligibility and set credit limits. These factors include credit score, income, employment status, debt-to-income ratio, payment history, credit utilization ratio, length of credit history, credit mix, recent credit inquiries, and public records. A credit score reflects creditworthiness, income gauges repayment ability, and employment stability indicates financial reliability. Debt-to-income ratio assesses financial health, while payment history and credit utilization ratio highlight responsible credit management. Length of credit history provides insight into financial habits, and credit mix offers a diverse perspective. Recent inquiries and public records impact creditworthiness. This comprehensive analysis aids in informed decision-making regarding credit card issuance and limit allocation.

Data Dictionary:

ID: Unique identifier for each individual in the dataset.

Gender: The gender of the individual (e.g., Male, Female, Other).

Own_car: Indicates whether the individual owns a car (e.g., Yes, No).

Own_property: Indicates whether the individual owns any property (e.g., Yes, No).

Work_phone: Indicates whether the individual has a work phone (e.g., Yes, No).

Phone: Indicates whether the individual has a personal phone (e.g., Yes, No).

Email: Indicates whether the individual has provided an email address (e.g., Yes, No).

Unemployed: Indicates whether the individual is currently unemployed (e.g., Yes, No).

Num_children: The number of children the individual has.

Num_family: The total number of family members in the individual's household.

Acknowledgement:

Gathered this dataset from the various open source platforms: