{
  "fetched_at": "2026-10-20T01:38:11Z",
  "source_url": "https://www.kaggle.com/competitions/credit-card/data",
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      "name": "rules",
      "content": "<!-- Begin Base Rules -->\n<h3>One account per participant</h3>\n<p>You cannot sign up to Kaggle from multiple accounts and therefore you cannot submit from multiple accounts.</p>\n<h3>No private sharing outside teams</h3>\n<p>\n    Privately sharing code or data outside of teams is not permitted.\n    It's okay to share code if made available to all participants on the forums.\n</p>\n<h3>Team Mergers</h3>\n<p>Team mergers are not allowed in this competition.</p>\n\n<h3>Team Limits</h3>\n<p>Each team is limited to have no more than <strong>3</strong> persons.</p>\n<h3>Submission Limits</h3>\n<p>You may submit a maximum of <strong>5</strong> entries per day.</p>\n<p>You may select up to <strong>3</strong> final submissions for judging.</p>\n<h3>Competition Timeline</h3>\n<p>Start Date: <strong>Nov. 21, 2018</strong></p>\n<p>End Date: <strong>Dec. 28, 2018, 11:59PM</strong></p>\n<!-- End Base Rules -->",
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      "name": "data-description",
      "content": "<p>The data files contain information on default payments, demographic factors, credit data, history of payment, and bill statements of credit card clients in Taiwan from April 2005 to September 2005.</p>\n\n<h2>File descriptions</h2>\n<ul>\n<li><strong>Credit_Card_train.csv</strong> - the training set</li>\n<li><strong>Credit_Card_test.csv</strong> - the test set</li>\n<li><strong>sampleSubmission.csv</strong> - a sample submission file in the correct format</li>\n</ul>\n\n<h2>Data fields</h2>\n<p>There are 25 variables:</p>\n<ul>\n<li><strong>ID</strong> - ID of each client</li>\n<li><strong>LIMIT_BAL</strong> - Amount of given credit in NT dollars (includes individual and family/supplementary credit</li>\n<li><strong>SEX</strong> - Gender (1=male, 2=female)</li>\n<li><strong>EDUCATION</strong> - (1=graduate school, 2=university, 3=high school, 4=others, 5=unknown, 6=unknown)</li>\n<li><strong>MARRIAGE</strong> - Marital status (1=married, 2=single, 3=others)</li>\n<li><strong>AGE</strong> - Age in years</li>\n<li><strong>PAY_0</strong> - Repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months, ... 8=payment delay for eight months, 9=payment delay for nine months and above)</li>\n<li><strong>PAY_2</strong> - Repayment status in August, 2005 (scale same as above)</li>\n<li><strong>PAY_3</strong> - Repayment status in July, 2005 (scale same as above)</li>\n<li><strong>PAY_4</strong> - Repayment status in June, 2005 (scale same as above)</li>\n<li><strong>PAY_5</strong> - Repayment status in May, 2005 (scale same as above)</li>\n<li><strong>PAY_6</strong> - Repayment status in April, 2005 (scale same as above)</li>\n<li><strong>BILL_AMT1</strong> - Amount of bill statement in September, 2005 (NT dollar)</li>\n<li><strong>BILL_AMT2</strong> - Amount of bill statement in August, 2005 (NT dollar)</li>\n<li><strong>BILL_AMT3</strong> - Amount of bill statement in July, 2005 (NT dollar)</li>\n<li><strong>BILL_AMT4</strong> - Amount of bill statement in June, 2005 (NT dollar)</li>\n<li><strong>BILL_AMT5</strong> - Amount of bill statement in May, 2005 (NT dollar)</li>\n<li><strong>BILL_AMT6</strong> - Amount of bill statement in April, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT1</strong> - Amount of previous payment in September, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT2</strong> - Amount of previous payment in August, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT3</strong> - Amount of previous payment in July, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT4</strong> - Amount of previous payment in June, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT5</strong> - Amount of previous payment in May, 2005 (NT dollar)</li>\n<li><strong>PAY_AMT6</strong> - Amount of previous payment in April, 2005 (NT dollar)</li>\n<li><strong>default.payment.next.month</strong> - Default payment (1=yes, 0=no)</li>\n</ul>",
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    {
      "name": "Description",
      "content": "<p>This competition is an in-class competition for the course \"Artificial Intelligence and Machine Learning\". The competition is to predict the default payments of credit card clients based on the clients' demographic information and payment history.</p>",
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      "name": "Evaluation",
      "content": "<p>The evaluation metric for this competition is the <strong>F1-Score</strong> of class 1, i.e. <strong><i>default_payment.next.month=1</i></strong>.</p>\n<p>In statistical analysis of binary classification, the F1 score (also F-score or F-measure) is a measure of a test's accuracy. It considers both the precision p and the recall r of the test to compute the score: p is the number of correct positive results divided by the number of all positive results returned by the classifier, and r is the number of correct positive results divided by the number of all relevant samples (all samples that should have been identified as positive). The F1 score is the harmonic average of the precision and recall, where an F1 score reaches its best value at 1 (perfect precision and recall) and worst at 0.</p>\n<p>\\[ F1 = 2\\frac{p \\cdot r}{p+r}\\ \\ \\mathrm{where}\\ \\ p = \\frac{tp}{tp+fp},\\ \\ r = \\frac{tp}{tp+fn} \\]</p>\n\n<h2>Submission Format</h2>\n<p><strong>For every client in the dataset</strong>, submission files should contain two columns: client ID and prediction about his/her default payment in next month.\n<p>The file should contain a header and have the following format:</p>\n<pre>ID,default.payment.next.month<br />20001,1<br /><span style=\"font-size: 14px; line-height: 1.4em;\">20002,0<br />20003,0<br /></span><span style=\"font-size: 14px; line-height: 1.4em;\">20004,0<br /></span><span style=\"font-size: 14px; line-height: 1.4em;\">......</span></pre>",
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