| Number | Name | Description |
| 1 | Limit_Bal | The quantity of credit provided (NT dollars): this comprises both the individual’s family credit and his/her consumer credit. |
| 2 | Sex | Gender (1 = male, 2 = female) |
| 3 | Education | Education level (1 = graduate school, 2 = university, 3 = high school, 0, 4, 5, 6 = others) |
| 4 | Marriage | Marital status (1 = married, 2 = single, 3 = divorce, 0 = others) |
| 5 | Age | Age (year) |
| 6 | Pay_0 | Starting with repayment status as of September 2005 (0), six variables reflect past payment history. (−2 = no consumption, −1 = paid in full, 0 = the use of revolving credit, 1 = payment delay for one month, 2 = payment delay for two months, …, 8 = payment delay for eight months, 9 = payment delay for 9 months and above) |
| 7 | Pay_2 | The repayment status in August 2005 |
| 8 | Pay_3 | The repayment status in July 2005 |
| 9 | Pay_4 | The repayment status in June 2005 |
| 10 | Pay_5 | The repayment status in May 2005 |
| 11 | Pay_6 | The repayment status in April 2005 |
| 12 | Bill_Amt1 | Amount of bill statement (NT dollar) in September 2005 |
| 13 | Bill_Amt2 | Amount of bill statement (NT dollar) in August 2005 |
| 14 | Bill_Amt3 | Amount of bill statement (NT dollar) in July 2005 |
| 15 | Bill_Amt4 | Amount of bill statement (NT dollar) in June 2005 |
| 16 | Bill_Amt5 | Amount of bill statement (NT dollar) in May 2005 |
| 17 | Bill_Amt6 | Amount of bill statement (NT dollar) in April 2005 |
| 18 | Pay_Amt1 | Amount paid (NT dollar) in September 2005 |
| 10 | Pay_Amt2 | Amount paid (NT dollar) in August 2005 |
| 20 | Pay_Amt3 | Amount paid (NT dollar) in July 2005 |
| 21 | Pay_Amt4 | Amount paid (NT dollar) in June 2005 |
| 22 | Pay_Amt5 | Amount paid (NT dollar) in May 2005 |
| 23 | Pay_Amt6 | Amount paid (NT dollar) in April 2005 |