creditCard: Credit Card Application Dataset

In StepReg: Stepwise Regression Analysis

Credit Card Application Dataset

Description

A dataset containing credit history information for credit card applicants. This dataset is sourced from the AER package.

Usage

data(creditCard)

Format

A data frame with 1,319 observations and 12 variables:

card

Factor. Whether the credit card application was accepted (Yes/No)

reports

Numeric. Number of major derogatory reports on the applicant's credit history

age

Numeric. Age in years plus twelfths of a year (e.g., 30.5 represents 30 years and 6 months)

income

Numeric. Annual income in USD (divided by 10,000)

share

Numeric. Ratio of monthly credit card expenditure to yearly income

expenditure

Numeric. Average monthly credit card expenditure in USD

owner

Factor. Home ownership status (Yes/No)

selfemp

Factor. Self-employment status (Yes/No)

dependents

Numeric. Number of dependents

months

Numeric. Number of months living at current address

majorcards

Numeric. Number of major credit cards held

active

Numeric. Number of active credit accounts

Details

This dataset is commonly used for credit risk analysis and modeling credit card approval decisions. It provides a comprehensive view of various factors that may influence credit card application outcomes.

Source

Greene, W.H. (2003). Econometric Analysis, 5th edition. Upper Saddle River, NJ: Prentice Hall.

See Also

CreditCard for the original dataset in the AER package

Examples

data(creditCard)
summary(creditCard)

StepReg documentation built on May 14, 2026, 9:07 a.m.