Decision overview: Credit card application Applicant_Demographic_Suitability Applicant_Years_of_Age Applicant_Card_Type 'Applicant is existing customer' Product_holdings_number Student_Creditcard_Suitability Current_account_Type Private_Creditcard_Suitability Sole_Annual_Income Outstanding_Mortgage Saving_and_Investment_balance Applicant_Creditcard_Eligibility Applicant_Card_Type Applicant_Credit_Score Score_on_payments Number_of_payments Score_on_bankruptcy 'Applicant has declared bankruptcy' Score_on_current_account_bank_years current_account_bank_years Score_on_available_credit_used_pct Amount_of_available_credit_used_pct Applicant_Balance_Transfer_CreditCard Sole_Annual_Income Residential_Status 'CreditCard previously applied in last 6 month' Number_of_years_address_history Table 0: credit card application If: | 0| 1| 2| Applicant_Demographic_Suitability is Suitable | Y| Y| N| Applicant_Creditcard_Eligibility is Eligible | Y| N| -| Then: Credit_Card is Accepted | X| | | Credit_Card is Rejected | | X| X| # ....... GoalAttribute: Credit_Card Case: Accepted Print: "Credit card is accepted" Case: Rejected Print: "Credit card is rejected" Table 1: Applicant Demographic Suitability If: | 0| 1| 2| 3| 4| 5| 6| 7| 8| Applicant_Years_of_Age < 18 | Y| N| N| N| N| N| N| N| N| Applicant_Card_Type is Student | -| Y| Y| Y| N| N| N| N| N| Applicant_Card_Type is Private | -| -| -| -| Y| Y| Y| N| N| Applicant_Card_Type is Balance-Transfer | -| -| -| -| -| -| -| Y| N| 'Applicant is existing customer' | -| Y| Y| N| Y| Y| N| -| -| Student_Creditcard_Suitability is Suitable | -| Y| N| -| -| -| -| -| -| Private_Creditcard_Suitability is Suitable | -| -| -| -| Y| N| -| -| -| Then: Applicant_Demographic_Suitability is Suitable | | X| | | X| | | X| | # ....... Attribute: Applicant_Years_of_Age Askable_using: "What is the years of age of the applicant?" Attribute: Applicant_Card_Type Askable_using: "What is the desired cardtype?" Table 2: Existing customer? If: | 0| 1| Product_holdings_number > 0 | Y| N| Then: 'Applicant is existing customer' | X| | # ....... Attribute: Product_holdings_number Askable_using: "What is the number of products held?" Table 3: Student Creditcard Suitability If: | 0| 1| Current_account_Type is Student | Y| N| Then: Student_Creditcard_Suitability is Suitable | X| | # ....... Attribute: Current_account_Type Askable_using: "What is the current account type?" Table 4: Private Creditcard Suitability If: | 0| 1| 2| 3| Sole_Annual_Income < 100000 | Y| Y| Y| N| Outstanding_Mortgage < 300000 | Y| Y| N| -| Saving_and_Investment_balance < 100000 | Y| N| -| -| Then: Private_Creditcard_Suitability is Suitable | | X| X| X| # ....... Attribute: Sole_Annual_Income Askable_using: "What is the sole anual income (>=100000 expected)" Attribute: Outstanding_Mortgage Askable_using: "What is the outstanding mortgage (>=300000 expected)" Attribute: Saving_and_Investment_balance Askable_using: "What is the saving and investment balance (>=100000 expected)" Table 5: Applicant Creditcard Eligibility If: | 0| 1| 2| 3| 4| 5| 6| 7| Applicant_Card_Type is Student | Y| Y| N| N| N| N| N| N| Applicant_Card_Type is Private | -| -| Y| Y| N| N| N| N| Applicant_Card_Type is Balance-Transfer | -| -| -| -| Y| Y| Y| N| Applicant_Credit_Score >= 500 | Y| N| -| -| -| -| -| -| Applicant_Credit_Score >= 750 | -| -| Y| N| Y| Y| N| -| Applicant_Balance_Transfer_CreditCard is Eligible | -| -| -| -| Y| N| -| -| Then: Applicant_Creditcard_Eligibility is Eligible | X| | X| | X| | | | # ....... Table 6: Applicant Balance Transfer CreditCard If: | 0| 1| 2| 3| 4| Sole_Annual_Income > 10000 | Y| Y| Y| Y| N| Residential_Status is UK_resident | Y| Y| Y| N| -| 'CreditCard previously applied in last 6 month' | Y| N| N| -| -| Number_of_years_address_history >= 3 | -| Y| N| -| -| Then: Applicant_Balance_Transfer_CreditCard is Eligible | | X| | | | # ....... Proposition: 'CreditCard previously applied in last 6 month' Askable_using: "**?" Attribute: Residential_Status Askable_using: "What is the residential status of the applicant?" Attribute: Number_of_years_address_history Askable_using: "What is the number of years with a adress history (3 or more expected)?" Attribute: Applicant_Credit_Score Summation_of: Score_on_payments + Score_on_bankruptcy + Score_on_current_account_bank_years + Score_on_available_credit_used_pct Table 7: Score on payments If: | 0| 1| 2| 3| Number_of_payments = 0 | Y| N| N| N| Number_of_payments <= 3 | -| Y| N| N| Number_of_payments <= 6 | -| -| Y| N| Then: Score_on_payments = 250 | X| | | | Score_on_payments = 100 | | X| | | Score_on_payments = 50 | | | X| | Score_on_payments = 0 | | | | X| # ....... Attribute: Number_of_payments Askable_using: "What is the number of default payments in the last 12 months (0,..3,..6,..)?" Table 8: Score on bankruptcy If: | 0| 1| 'Applicant has declared bankruptcy' | Y| N| Then: Score_on_bankruptcy = 0 | X| | Score_on_bankruptcy = 250 | | X| # ....... Proposition: 'Applicant has declared bankruptcy' Askable_using: "**?" Table 9: Score on current account bank years If: | 0| 1| 2| current_account_bank_years = 0 | Y| N| N| current_account_bank_years <= 3 | -| Y| N| Then: Score_on_current_account_bank_years = 50 | X| | | Score_on_current_account_bank_years = 150 | | X| | Score_on_current_account_bank_years = 250 | | | X| # ....... Attribute: current_account_bank_years Askable_using: "Years with current account bank (0,..3,..)?" Table 10: Score on available credit used percentage If: | 0| 1| 2| 3| Amount_of_available_credit_used_pct < 25 | Y| N| N| N| Amount_of_available_credit_used_pct < 50 | -| Y| N| N| Amount_of_available_credit_used_pct < 75 | -| -| Y| N| Then: Score_on_available_credit_used_pct = 200 | X| | | | Score_on_available_credit_used_pct = 249 | | X| | | Score_on_available_credit_used_pct = 150 | | | X| | Score_on_available_credit_used_pct = 0 | | | | X| # ....... Attribute: Amount_of_available_credit_used_pct Askable_using: "Amount of available credit used percentage (0..24,..49,..74,..100)?"