# Credit: Credit Card Balance Data In ISLR: Data for an Introduction to Statistical Learning with Applications in R

## Description

A simulated data set containing information on ten thousand customers. The aim here is to predict which customers will default on their credit card debt.

## Usage

 `1` ```Credit ```

## Format

A data frame with 10000 observations on the following 4 variables.

`ID`

Identification

`Income`

Income in \$1,000's

`Limit`

Credit limit

`Rating`

Credit rating

`Cards`

Number of credit cards

`Age`

Age in years

`Education`

Number of years of education

`Gender`

A factor with levels `Male` and `Female`

`Student`

A factor with levels `No` and `Yes` indicating whether the individual was a student

`Married`

A factor with levels `No` and `Yes` indicating whether the individual was married

`Ethnicity`

A factor with levels `African American`, `Asian`, and `Caucasian` indicating the individual's ethnicity

`Balance`

Average credit card balance in \$.

## Source

Simulated data, with thanks to Albert Kim for pointing out that this was omitted, and supplying the data and man documentation page on Oct 19, 2017

## References

James, G., Witten, D., Hastie, T., and Tibshirani, R. (2013) An Introduction to Statistical Learning with applications in R, https://www.statlearning.com, Springer-Verlag, New York

## Examples

 ```1 2``` ```summary(Credit) lm(Balance ~ Student + Limit, data=Credit) ```

### Example output

```       ID            Income           Limit           Rating
Min.   :  1.0   Min.   : 10.35   Min.   :  855   Min.   : 93.0
1st Qu.:100.8   1st Qu.: 21.01   1st Qu.: 3088   1st Qu.:247.2
Median :200.5   Median : 33.12   Median : 4622   Median :344.0
Mean   :200.5   Mean   : 45.22   Mean   : 4736   Mean   :354.9
3rd Qu.:300.2   3rd Qu.: 57.47   3rd Qu.: 5873   3rd Qu.:437.2
Max.   :400.0   Max.   :186.63   Max.   :13913   Max.   :982.0
Cards            Age          Education        Gender    Student
Min.   :1.000   Min.   :23.00   Min.   : 5.00    Male :193   No :360
1st Qu.:2.000   1st Qu.:41.75   1st Qu.:11.00   Female:207   Yes: 40
Median :3.000   Median :56.00   Median :14.00
Mean   :2.958   Mean   :55.67   Mean   :13.45
3rd Qu.:4.000   3rd Qu.:70.00   3rd Qu.:16.00
Max.   :9.000   Max.   :98.00   Max.   :20.00
Married              Ethnicity      Balance
No :155   African American: 99   Min.   :   0.00
Yes:245   Asian           :102   1st Qu.:  68.75
Caucasian       :199   Median : 459.50
Mean   : 520.01
3rd Qu.: 863.00
Max.   :1999.00

Call:
lm(formula = Balance ~ Student + Limit, data = Credit)

Coefficients:
(Intercept)   StudentYes        Limit
-334.730      404.404        0.172
```

ISLR documentation built on Sept. 15, 2021, 9:08 a.m.