solution.ipynb

{
 "cells": [
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "# DEFAULT OF CREDIT CARD CLIENT PREDICTION\n",
    "# TCS_XPLORE NOV_3_HACKATHON"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 1,
   "metadata": {},
   "outputs": [],
   "source": [
    "import pandas as pd"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## READ EXCEL DATA"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 2,
   "metadata": {},
   "outputs": [],
   "source": [
    "data = pd.read_excel(\"default of credit card clients_Nov3.xls\",skiprows=1)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## PRINTING THE SHAPE OF GIVEN DATA"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 3,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(30000, 25)"
      ]
     },
     "execution_count": 3,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data.shape"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## LIST OF COLUMNS AVAILABLE IN DATA"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 4,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "['ID',\n",
       " 'LIMIT_BAL',\n",
       " 'SEX',\n",
       " 'EDUCATION',\n",
       " 'MARRIAGE',\n",
       " 'AGE',\n",
       " 'PAY_0',\n",
       " 'PAY_2',\n",
       " 'PAY_3',\n",
       " 'PAY_4',\n",
       " 'PAY_5',\n",
       " 'PAY_6',\n",
       " 'BILL_AMT1',\n",
       " 'BILL_AMT2',\n",
       " 'BILL_AMT3',\n",
       " 'BILL_AMT4',\n",
       " 'BILL_AMT5',\n",
       " 'BILL_AMT6',\n",
       " 'PAY_AMT1',\n",
       " 'PAY_AMT2',\n",
       " 'PAY_AMT3',\n",
       " 'PAY_AMT4',\n",
       " 'PAY_AMT5',\n",
       " 'PAY_AMT6',\n",
       " 'default payment next month']"
      ]
     },
     "execution_count": 4,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "list(data.columns)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## FIRST THREE ROWS OF DATA"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 5,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>ID</th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>AGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>...</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>default payment next month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1</td>\n",
       "      <td>20000</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>24</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>...</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>689</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>2</td>\n",
       "      <td>120000</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>26</td>\n",
       "      <td>-1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>...</td>\n",
       "      <td>3272</td>\n",
       "      <td>3455</td>\n",
       "      <td>3261</td>\n",
       "      <td>0</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>0</td>\n",
       "      <td>2000</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>3</td>\n",
       "      <td>90000</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>34</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>...</td>\n",
       "      <td>14331</td>\n",
       "      <td>14948</td>\n",
       "      <td>15549</td>\n",
       "      <td>1518</td>\n",
       "      <td>1500</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>5000</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>3 rows × 25 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "   ID  LIMIT_BAL  SEX  EDUCATION  MARRIAGE  AGE  PAY_0  PAY_2  PAY_3  PAY_4  \\\n",
       "0   1      20000    2          2         1   24      2      2     -1     -1   \n",
       "1   2     120000    2          2         2   26     -1      2      0      0   \n",
       "2   3      90000    2          2         2   34      0      0      0      0   \n",
       "\n",
       "              ...              BILL_AMT4  BILL_AMT5  BILL_AMT6  PAY_AMT1  \\\n",
       "0             ...                      0          0          0         0   \n",
       "1             ...                   3272       3455       3261         0   \n",
       "2             ...                  14331      14948      15549      1518   \n",
       "\n",
       "   PAY_AMT2  PAY_AMT3  PAY_AMT4  PAY_AMT5  PAY_AMT6  \\\n",
       "0       689         0         0         0         0   \n",
       "1      1000      1000      1000         0      2000   \n",
       "2      1500      1000      1000      1000      5000   \n",
       "\n",
       "   default payment next month  \n",
       "0                           1  \n",
       "1                           1  \n",
       "2                           0  \n",
       "\n",
       "[3 rows x 25 columns]"
      ]
     },
     "execution_count": 5,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data.head(3)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## IDENTIFYING TARGET"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 6,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "0        1\n",
       "1        1\n",
       "2        0\n",
       "3        0\n",
       "4        0\n",
       "5        0\n",
       "6        0\n",
       "7        0\n",
       "8        0\n",
       "9        0\n",
       "10       0\n",
       "11       0\n",
       "12       0\n",
       "13       1\n",
       "14       0\n",
       "15       0\n",
       "16       1\n",
       "17       0\n",
       "18       0\n",
       "19       0\n",
       "20       0\n",
       "21       1\n",
       "22       1\n",
       "23       1\n",
       "24       0\n",
       "25       0\n",
       "26       1\n",
       "27       0\n",
       "28       0\n",
       "29       0\n",
       "        ..\n",
       "29970    0\n",
       "29971    0\n",
       "29972    0\n",
       "29973    1\n",
       "29974    1\n",
       "29975    0\n",
       "29976    1\n",
       "29977    0\n",
       "29978    0\n",
       "29979    0\n",
       "29980    0\n",
       "29981    0\n",
       "29982    1\n",
       "29983    0\n",
       "29984    0\n",
       "29985    0\n",
       "29986    0\n",
       "29987    0\n",
       "29988    0\n",
       "29989    0\n",
       "29990    0\n",
       "29991    1\n",
       "29992    0\n",
       "29993    0\n",
       "29994    1\n",
       "29995    0\n",
       "29996    0\n",
       "29997    1\n",
       "29998    1\n",
       "29999    1\n",
       "Name: default payment next month, Length: 30000, dtype: int64"
      ]
     },
     "execution_count": 6,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "target = data['default payment next month']\n",
    "target"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 7,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
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       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>count</th>\n",
       "      <th>mean</th>\n",
       "      <th>std</th>\n",
       "      <th>min</th>\n",
       "      <th>25%</th>\n",
       "      <th>50%</th>\n",
       "      <th>75%</th>\n",
       "      <th>max</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>ID</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>15000.500000</td>\n",
       "      <td>8660.398374</td>\n",
       "      <td>1.0</td>\n",
       "      <td>7500.75</td>\n",
       "      <td>15000.5</td>\n",
       "      <td>22500.25</td>\n",
       "      <td>30000.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>167484.322667</td>\n",
       "      <td>129747.661567</td>\n",
       "      <td>10000.0</td>\n",
       "      <td>50000.00</td>\n",
       "      <td>140000.0</td>\n",
       "      <td>240000.00</td>\n",
       "      <td>1000000.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>SEX</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>1.603733</td>\n",
       "      <td>0.489129</td>\n",
       "      <td>1.0</td>\n",
       "      <td>1.00</td>\n",
       "      <td>2.0</td>\n",
       "      <td>2.00</td>\n",
       "      <td>2.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>EDUCATION</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>1.853133</td>\n",
       "      <td>0.790349</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.00</td>\n",
       "      <td>2.0</td>\n",
       "      <td>2.00</td>\n",
       "      <td>6.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>MARRIAGE</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>1.551867</td>\n",
       "      <td>0.521970</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.00</td>\n",
       "      <td>2.0</td>\n",
       "      <td>2.00</td>\n",
       "      <td>3.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>AGE</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>35.485500</td>\n",
       "      <td>9.217904</td>\n",
       "      <td>21.0</td>\n",
       "      <td>28.00</td>\n",
       "      <td>34.0</td>\n",
       "      <td>41.00</td>\n",
       "      <td>79.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_0</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.016700</td>\n",
       "      <td>1.123802</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_2</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.133767</td>\n",
       "      <td>1.197186</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_3</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.166200</td>\n",
       "      <td>1.196868</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_4</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.220667</td>\n",
       "      <td>1.169139</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_5</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.266200</td>\n",
       "      <td>1.133187</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_6</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>-0.291100</td>\n",
       "      <td>1.149988</td>\n",
       "      <td>-2.0</td>\n",
       "      <td>-1.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>51223.330900</td>\n",
       "      <td>73635.860576</td>\n",
       "      <td>-165580.0</td>\n",
       "      <td>3558.75</td>\n",
       "      <td>22381.5</td>\n",
       "      <td>67091.00</td>\n",
       "      <td>964511.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>49179.075167</td>\n",
       "      <td>71173.768783</td>\n",
       "      <td>-69777.0</td>\n",
       "      <td>2984.75</td>\n",
       "      <td>21200.0</td>\n",
       "      <td>64006.25</td>\n",
       "      <td>983931.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>47013.154800</td>\n",
       "      <td>69349.387427</td>\n",
       "      <td>-157264.0</td>\n",
       "      <td>2666.25</td>\n",
       "      <td>20088.5</td>\n",
       "      <td>60164.75</td>\n",
       "      <td>1664089.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>43262.948967</td>\n",
       "      <td>64332.856134</td>\n",
       "      <td>-170000.0</td>\n",
       "      <td>2326.75</td>\n",
       "      <td>19052.0</td>\n",
       "      <td>54506.00</td>\n",
       "      <td>891586.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>40311.400967</td>\n",
       "      <td>60797.155770</td>\n",
       "      <td>-81334.0</td>\n",
       "      <td>1763.00</td>\n",
       "      <td>18104.5</td>\n",
       "      <td>50190.50</td>\n",
       "      <td>927171.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>38871.760400</td>\n",
       "      <td>59554.107537</td>\n",
       "      <td>-339603.0</td>\n",
       "      <td>1256.00</td>\n",
       "      <td>17071.0</td>\n",
       "      <td>49198.25</td>\n",
       "      <td>961664.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>5663.580500</td>\n",
       "      <td>16563.280354</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1000.00</td>\n",
       "      <td>2100.0</td>\n",
       "      <td>5006.00</td>\n",
       "      <td>873552.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>5921.163500</td>\n",
       "      <td>23040.870402</td>\n",
       "      <td>0.0</td>\n",
       "      <td>833.00</td>\n",
       "      <td>2009.0</td>\n",
       "      <td>5000.00</td>\n",
       "      <td>1684259.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>5225.681500</td>\n",
       "      <td>17606.961470</td>\n",
       "      <td>0.0</td>\n",
       "      <td>390.00</td>\n",
       "      <td>1800.0</td>\n",
       "      <td>4505.00</td>\n",
       "      <td>896040.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>4826.076867</td>\n",
       "      <td>15666.159744</td>\n",
       "      <td>0.0</td>\n",
       "      <td>296.00</td>\n",
       "      <td>1500.0</td>\n",
       "      <td>4013.25</td>\n",
       "      <td>621000.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>4799.387633</td>\n",
       "      <td>15278.305679</td>\n",
       "      <td>0.0</td>\n",
       "      <td>252.50</td>\n",
       "      <td>1500.0</td>\n",
       "      <td>4031.50</td>\n",
       "      <td>426529.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>5215.502567</td>\n",
       "      <td>17777.465775</td>\n",
       "      <td>0.0</td>\n",
       "      <td>117.75</td>\n",
       "      <td>1500.0</td>\n",
       "      <td>4000.00</td>\n",
       "      <td>528666.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>default payment next month</th>\n",
       "      <td>30000.0</td>\n",
       "      <td>0.221200</td>\n",
       "      <td>0.415062</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>1.0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "                              count           mean            std       min  \\\n",
       "ID                          30000.0   15000.500000    8660.398374       1.0   \n",
       "LIMIT_BAL                   30000.0  167484.322667  129747.661567   10000.0   \n",
       "SEX                         30000.0       1.603733       0.489129       1.0   \n",
       "EDUCATION                   30000.0       1.853133       0.790349       0.0   \n",
       "MARRIAGE                    30000.0       1.551867       0.521970       0.0   \n",
       "AGE                         30000.0      35.485500       9.217904      21.0   \n",
       "PAY_0                       30000.0      -0.016700       1.123802      -2.0   \n",
       "PAY_2                       30000.0      -0.133767       1.197186      -2.0   \n",
       "PAY_3                       30000.0      -0.166200       1.196868      -2.0   \n",
       "PAY_4                       30000.0      -0.220667       1.169139      -2.0   \n",
       "PAY_5                       30000.0      -0.266200       1.133187      -2.0   \n",
       "PAY_6                       30000.0      -0.291100       1.149988      -2.0   \n",
       "BILL_AMT1                   30000.0   51223.330900   73635.860576 -165580.0   \n",
       "BILL_AMT2                   30000.0   49179.075167   71173.768783  -69777.0   \n",
       "BILL_AMT3                   30000.0   47013.154800   69349.387427 -157264.0   \n",
       "BILL_AMT4                   30000.0   43262.948967   64332.856134 -170000.0   \n",
       "BILL_AMT5                   30000.0   40311.400967   60797.155770  -81334.0   \n",
       "BILL_AMT6                   30000.0   38871.760400   59554.107537 -339603.0   \n",
       "PAY_AMT1                    30000.0    5663.580500   16563.280354       0.0   \n",
       "PAY_AMT2                    30000.0    5921.163500   23040.870402       0.0   \n",
       "PAY_AMT3                    30000.0    5225.681500   17606.961470       0.0   \n",
       "PAY_AMT4                    30000.0    4826.076867   15666.159744       0.0   \n",
       "PAY_AMT5                    30000.0    4799.387633   15278.305679       0.0   \n",
       "PAY_AMT6                    30000.0    5215.502567   17777.465775       0.0   \n",
       "default payment next month  30000.0       0.221200       0.415062       0.0   \n",
       "\n",
       "                                 25%       50%        75%        max  \n",
       "ID                           7500.75   15000.5   22500.25    30000.0  \n",
       "LIMIT_BAL                   50000.00  140000.0  240000.00  1000000.0  \n",
       "SEX                             1.00       2.0       2.00        2.0  \n",
       "EDUCATION                       1.00       2.0       2.00        6.0  \n",
       "MARRIAGE                        1.00       2.0       2.00        3.0  \n",
       "AGE                            28.00      34.0      41.00       79.0  \n",
       "PAY_0                          -1.00       0.0       0.00        8.0  \n",
       "PAY_2                          -1.00       0.0       0.00        8.0  \n",
       "PAY_3                          -1.00       0.0       0.00        8.0  \n",
       "PAY_4                          -1.00       0.0       0.00        8.0  \n",
       "PAY_5                          -1.00       0.0       0.00        8.0  \n",
       "PAY_6                          -1.00       0.0       0.00        8.0  \n",
       "BILL_AMT1                    3558.75   22381.5   67091.00   964511.0  \n",
       "BILL_AMT2                    2984.75   21200.0   64006.25   983931.0  \n",
       "BILL_AMT3                    2666.25   20088.5   60164.75  1664089.0  \n",
       "BILL_AMT4                    2326.75   19052.0   54506.00   891586.0  \n",
       "BILL_AMT5                    1763.00   18104.5   50190.50   927171.0  \n",
       "BILL_AMT6                    1256.00   17071.0   49198.25   961664.0  \n",
       "PAY_AMT1                     1000.00    2100.0    5006.00   873552.0  \n",
       "PAY_AMT2                      833.00    2009.0    5000.00  1684259.0  \n",
       "PAY_AMT3                      390.00    1800.0    4505.00   896040.0  \n",
       "PAY_AMT4                      296.00    1500.0    4013.25   621000.0  \n",
       "PAY_AMT5                      252.50    1500.0    4031.50   426529.0  \n",
       "PAY_AMT6                      117.75    1500.0    4000.00   528666.0  \n",
       "default payment next month      0.00       0.0       0.00        1.0  "
      ]
     },
     "execution_count": 7,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data.describe().T"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## CATEGORICAL VALUES IN GIVEN DATASET"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 8,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>PAY_5</th>\n",
       "      <th>PAY_6</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>6</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>7</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>10</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>11</th>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>13</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>16</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>17</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>18</th>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19</th>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>20</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>21</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>22</th>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23</th>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>24</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>25</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>26</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>27</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>28</th>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>...</th>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29970</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29971</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29972</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29973</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29974</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29975</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29976</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29977</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29978</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29979</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29980</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29981</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29982</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29983</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29984</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29985</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29986</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29987</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29988</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29989</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29990</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29991</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29992</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "      <td>-2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29993</th>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29994</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29995</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29996</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29997</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>2</td>\n",
       "      <td>4</td>\n",
       "      <td>3</td>\n",
       "      <td>2</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29998</th>\n",
       "      <td>1</td>\n",
       "      <td>3</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>-1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29999</th>\n",
       "      <td>1</td>\n",
       "      <td>2</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>30000 rows × 9 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "       SEX  EDUCATION  MARRIAGE  PAY_0  PAY_2  PAY_3  PAY_4  PAY_5  PAY_6\n",
       "0        2          2         1      2      2     -1     -1     -2     -2\n",
       "1        2          2         2     -1      2      0      0      0      2\n",
       "2        2          2         2      0      0      0      0      0      0\n",
       "3        2          2         1      0      0      0      0      0      0\n",
       "4        1          2         1     -1      0     -1      0      0      0\n",
       "5        1          1         2      0      0      0      0      0      0\n",
       "6        1          1         2      0      0      0      0      0      0\n",
       "7        2          2         2      0     -1     -1      0      0     -1\n",
       "8        2          3         1      0      0      2      0      0      0\n",
       "9        1          3         2     -2     -2     -2     -2     -1     -1\n",
       "10       2          3         2      0      0      2      0      0     -1\n",
       "11       2          1         2     -1     -1     -1     -1     -1      2\n",
       "12       2          2         2     -1      0     -1     -1     -1     -1\n",
       "13       1          2         2      1      2      2      0      0      2\n",
       "14       1          1         2      0      0      0      0      0      0\n",
       "15       2          3         3      1      2      0      0      0      0\n",
       "16       1          1         2      0      0      2      2      2      2\n",
       "17       1          1         1      0      0      0     -1     -1     -1\n",
       "18       2          1         1      1     -2     -2     -2     -2     -2\n",
       "19       2          1         2      1     -2     -2     -2     -2     -2\n",
       "20       2          3         2      0      0      0      0      0     -1\n",
       "21       2          2         1     -1     -1     -1     -1     -1     -1\n",
       "22       2          2         2      2      0      0      2      2      2\n",
       "23       2          1         1     -2     -2     -2     -2     -2     -2\n",
       "24       1          1         2      0      0      0     -1      0      0\n",
       "25       1          3         2      0      0      0      0      0      0\n",
       "26       1          1         2      1     -2     -1     -1     -1     -1\n",
       "27       2          3         2      0      0      0      0      0      0\n",
       "28       2          3         1     -1     -1     -1     -1     -1     -1\n",
       "29       1          1         2      0      0      0      0      0      0\n",
       "...    ...        ...       ...    ...    ...    ...    ...    ...    ...\n",
       "29970    1          1         1     -1     -1     -1      0      0     -1\n",
       "29971    1          3         1      0      0      0      0      0      0\n",
       "29972    1          1         1      0      0      0      0      0     -1\n",
       "29973    1          2         1      1     -2     -2     -2     -2     -2\n",
       "29974    1          2         1      1      2      2      2      0      0\n",
       "29975    1          2         1      0      0     -1     -1     -2     -2\n",
       "29976    1          2         2      2      2      3      2      2      2\n",
       "29977    1          1         2      0      0      0      0      0      0\n",
       "29978    1          2         1      0      0      0      0      0      0\n",
       "29979    1          1         1     -2     -2     -2     -2     -2     -2\n",
       "29980    1          3         2      0      0      0      0      0      0\n",
       "29981    1          2         1      1      2      2      2      0      0\n",
       "29982    1          2         1      0      0      0      0      0      0\n",
       "29983    1          2         1     -2     -2     -2     -2     -2     -2\n",
       "29984    1          2         2     -1     -1     -2     -1     -1     -1\n",
       "29985    1          1         2     -2     -2     -2     -2     -2     -2\n",
       "29986    1          1         2     -1     -1     -2     -2     -2     -2\n",
       "29987    1          1         2      0      0      0      0      0      0\n",
       "29988    1          1         1      0      0      0      0      0      0\n",
       "29989    1          1         2     -1     -1     -1     -1     -1     -2\n",
       "29990    1          2         1      0      0      0      0      0      0\n",
       "29991    1          2         1      3      2      2      2      2      2\n",
       "29992    1          3         1      0      0      0     -2     -2     -2\n",
       "29993    1          1         2      0     -1     -1      0      0      0\n",
       "29994    1          2         2      2      2      2      2      2      2\n",
       "29995    1          3         1      0      0      0      0      0      0\n",
       "29996    1          3         2     -1     -1     -1     -1      0      0\n",
       "29997    1          2         2      4      3      2     -1      0      0\n",
       "29998    1          3         1      1     -1      0      0      0     -1\n",
       "29999    1          2         1      0      0      0      0      0      0\n",
       "\n",
       "[30000 rows x 9 columns]"
      ]
     },
     "execution_count": 8,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "# Categorical values in dataset: SEX\tEDUCATION\tMARRIAGE\tPAY_0\tPAY_2\tPAY_3\tPAY_4\tPAY_5\tPAY_6\n",
    "data[[\"SEX\",\"EDUCATION\",\"MARRIAGE\",\"PAY_0\",\"PAY_2\",\"PAY_3\",\"PAY_4\",\"PAY_5\",\"PAY_6\"]]\n"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## DATA PREPROCESSING\n",
    "\n",
    "* ONE HOT ENCODING ON CATEGORICAL VARIABLES\n",
    "* STANDARD SCALING ON CONTINUOUS VARIABLES"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 9,
   "metadata": {},
   "outputs": [],
   "source": [
    "from sklearn.preprocessing import OneHotEncoder\n",
    "encoder = OneHotEncoder(categories=\"auto\")"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 10,
   "metadata": {},
   "outputs": [],
   "source": [
    "data[\"SEX\"]=encoder.fit_transform(data[\"SEX\"].values.reshape(-1,1)).toarray()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 11,
   "metadata": {},
   "outputs": [],
   "source": [
    "data[\"EDUCATION\"]=encoder.fit_transform(data[\"EDUCATION\"].values.reshape(-1,1)).toarray()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 12,
   "metadata": {},
   "outputs": [],
   "source": [
    "data[\"MARRIAGE\"]=encoder.fit_transform(data[\"MARRIAGE\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_0\"]=encoder.fit_transform(data[\"PAY_0\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_2\"]=encoder.fit_transform(data[\"PAY_2\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_3\"]=encoder.fit_transform(data[\"PAY_3\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_4\"]=encoder.fit_transform(data[\"PAY_4\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_5\"]=encoder.fit_transform(data[\"PAY_5\"].values.reshape(-1,1)).toarray()\n",
    "data[\"PAY_6\"]=encoder.fit_transform(data[\"PAY_6\"].values.reshape(-1,1)).toarray()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## CHECK FOR MISSING VALUES"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 13,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "No missing values\n"
     ]
    }
   ],
   "source": [
    "if True in data.isna().values==True:\n",
    "    print(\"Data has missing values\")\n",
    "else:\n",
    "    print(\"No missing values\")\n",
    "# No missing values"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 14,
   "metadata": {},
   "outputs": [],
   "source": [
    "from sklearn.preprocessing import StandardScaler\n",
    "scaler = StandardScaler()\n",
    "data['BILL_AMT1'] = scaler.fit_transform(data['BILL_AMT1'].values.reshape(-1,1))\n",
    "data['BILL_AMT2'] = scaler.fit_transform(data['BILL_AMT2'].values.reshape(-1,1))\n",
    "data['BILL_AMT3'] = scaler.fit_transform(data['BILL_AMT3'].values.reshape(-1,1))\n",
    "data['BILL_AMT4'] = scaler.fit_transform(data['BILL_AMT4'].values.reshape(-1,1))\n",
    "data['BILL_AMT5'] = scaler.fit_transform(data['BILL_AMT5'].values.reshape(-1,1))\n",
    "data['BILL_AMT6'] = scaler.fit_transform(data['BILL_AMT6'].values.reshape(-1,1))\n",
    "data['PAY_AMT1'] = scaler.fit_transform(data['PAY_AMT1'].values.reshape(-1,1))\n",
    "data['PAY_AMT2'] = scaler.fit_transform(data['PAY_AMT2'].values.reshape(-1,1))\n",
    "data['PAY_AMT3'] = scaler.fit_transform(data['PAY_AMT3'].values.reshape(-1,1))\n",
    "data['PAY_AMT4'] = scaler.fit_transform(data['PAY_AMT4'].values.reshape(-1,1))\n",
    "data['PAY_AMT5'] = scaler.fit_transform(data['PAY_AMT5'].values.reshape(-1,1))\n",
    "data['PAY_AMT6'] = scaler.fit_transform(data['PAY_AMT6'].values.reshape(-1,1))"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## MODEL TRAINING AND PREDICTION"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 15,
   "metadata": {},
   "outputs": [],
   "source": [
    "from sklearn.linear_model import LogisticRegression\n",
    "from sklearn.model_selection import train_test_split"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## REMOVING UNNECESSARY COLUMNS IN DATASET"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 16,
   "metadata": {},
   "outputs": [],
   "source": [
    "data.drop([\"default payment next month\"],inplace=True,axis=1)\n",
    "data.drop([\"ID\"],inplace=True,axis=1)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 17,
   "metadata": {},
   "outputs": [],
   "source": [
    "X_train,X_test,y_train,y_test=train_test_split(data,target,test_size=0.3,shuffle=True)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 18,
   "metadata": {},
   "outputs": [],
   "source": [
    "model = LogisticRegression()\n",
    "model.fit(X_train,y_train)\n",
    "y_pred=model.predict(X_test)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## EVALUATING THE PERFORMANCE USING ACCURACY SCORE"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 19,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "0.7796666666666666"
      ]
     },
     "execution_count": 19,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "from sklearn.metrics import accuracy_score\n",
    "accuracy_score(y_test,y_pred)"
   ]
  }
 ],
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