Research on Default Prediction for Credit Card Users Based on XGBoost-LSTM Model

Table 1

Example of transactions flow data.

User ID	Input date	Input time	Transaction type	Bill amount	Credit limit
100001	20170605	15:25	4110	48.28	50000
100001	20170605	15:25	2110	5000.00	50000
100001	20170604	10:51	7098	−10500.00	50000
100001	20170605	15:26	4110	50.00	50000
100001	20170610	23:58	5000	148.09	50000
100001	20170605	15:26	2110	5000.00	50000
100002	20170605	21:05	7038	−600.00	100000
100002	20170610	20:04	3254	1116.00	100000
100003	20170610	20:04	3254	1813.50	20000
100004	20170605	14:01	2000	6600.00	50000
100004	20170610	20:04	3250	80.00	50000
100004	20170610	20:04	3250	25.60	50000
…	…	…	…	…	…