You work for a bank as a business data analyst in the credit card risk-modeling department. Your bank recently conducted a bold experiment: over a short time interval three years ago, it quietly issued 600 credit cards to everyone who applied, regardless of their credit risk.

After three years, 150, or 25%, of card recipients defaulted – they failed to pay back at least some of the money they owed. However, the bank collected very valuable proprietary data that it can now use to optimize its future card-issuing process.

The bank initially collected six pieces of data about each person.

a. Age

b. Years at current employer

c. Years at current address

d. Income over the past year

e. Current credit card debt, and

f. Current automobile debt