The customers with less credit card debt default on loans more than those who have large credit card debt. This is a factor to be considered by the bank since relying on such information can make the management decide appropriately on those to an award bank loans. The ratio is 4: 5 with 5 customers with less credit card debt having previously defaulted as compared to 4 with more credit card debt.
It is also evident that those with more other debts are repaying their loans than those with fewer other debts. This also becomes critical for the management to consider as it decides on those to consider for awarding of loans in the future.
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