Optimization of Initial Credit Limit Using Comprehensive Customer Features

Shreya Piplani () and Geetika Bansal ()
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Shreya Piplani: Experian Credit Information Company of India
Geetika Bansal: Experian Credit Information Company of India

A chapter in Applied Advanced Analytics, 2021, pp 81-86 from Springer

Abstract: Abstract With a total of 36.24 million credit cards in operation with a spend of Rs. 41,437 crores in January’18 from a 28.85 million credit cards and usage of Rs. 32,691 crores in January’17, credit card market has shown an incredible growth in India. During the initial introduction of credit cards in the Indian market, the word credit did not go along with the Indian mentality, believing that credit cards would increase their liability and might lead to payment of huge interests, if not cleared on time.

Keywords: Credit card; Optimal limit; Revenue; Risk; Utilization; Default (search for similar items in EconPapers)
Date: 2021
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DOI: 10.1007/978-981-33-6656-5_7

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