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Predictive Models Assignment Help Using Pyspark - Default of Credit Card Clients

Updated: Mar 29, 2022

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In this Article we are going to analyze Default credit card clients data and Build the Predictive model using Pyspark. The objective of this predictive model is to predict the chance of customers defaulting payment on their credit card.

We have a dataset which is also available on kaggle and UCI Machine Learning Repository. This dataset contains the information on default payments, demographic factors, credit data, history of payment, and bill statements of credit card clients in Taiwan from April 2005 to September 2005.

Attributes Information

  • ID: ID of each client

  • LIMIT_BAL: Amount of given credit in NT dollars (includes individual and family/supplementary credit

  • SEX: Gender (1=male, 2=female)

  • EDUCATION: (1=graduate school, 2=university, 3=high school, 4=others, 5=unknown, 6=unknown)

  • MARRIAGE: Marital status (1=married, 2=single, 3=others)

  • AGE: Age in years

  • PAY_0: Repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months, … 8=payment delay for eight months, 9=payment delay for nine months and above)

  • PAY_2: Repayment status in August, 2005 (scale same as above)

  • PAY_3: Repayment status in July, 2005 (scale same as above)

  • PAY_4: Repayment status in June, 2005 (scale same as above)

  • PAY_5: Repayment status in May, 2005 (scale same as above)

  • PAY_6: Repayment status in April, 2005 (scale same as above)

  • BILL_AMT1: Amount of bill statement in September, 2005 (NT dollar)

  • BILL_AMT2: Amount of bill statement in August, 2005 (NT dollar)

  • BILL_AMT3: Amount of bill statement in July, 2005 (NT dollar)

  • BILL_AMT4: Amount of bill statement in June, 2005 (NT dollar)

  • BILL_AMT5: Amount of bill statement in May, 2005 (NT dollar)

  • BILL_AMT6: Amount of bill statement in April, 2005 (NT dollar)

  • PAY_AMT1: Amount of previous payment in September, 2005 (NT dollar)

  • PAY_AMT2: Amount of previous payment in August, 2005 (NT dollar)

  • PAY_AMT3: Amount of previous payment in July, 2005 (NT dollar)

  • PAY_AMT4: Amount of previous payment in June, 2005 (NT dollar)

  • PAY_AMT5: Amount of previous payment in May, 2005 (NT dollar)

  • PAY_AMT6: Amount of previous payment in April, 2005 (NT dollar)

  • Default payment (1=yes, 0=no)

Firstly Load the dataset into spark Data Frame.


Lets see statistical information of some attributes

Statistical Data

We can see in the above screenshot, There are total 30000 distinct credit card clients. The average credit card Limit balance is 167484. Education level is mostly graduate school and university. Most of clients are single or married. Average age of client is 35 years with standard deviation of 9.2.

We can see below plot there are 6636 out of 30000 of clients will default next month.

Before the Data transformation step we need to ensure our dataset all the columns should be numerical and ensure the columns data type is integer. if it is not then convert it into an integer otherwise it may raise the error. In Our default credit card data all column data type is string so before data transform we change it to integer.


Now We need to transform the data to feed the data into a model. Data transformation is the process of converting data from one format to another format. Firstly we need to apply the Vector Assembler on the features column to convert all feature columns into one vector column. and then apply the Standard scaler on the vector column. Standard Scaler removes the mean and scales each feature/variable to unit variance. This operation is performed feature-wise in an independent way.

We can see in the following screenshot Vector column as features and Scaled data as Scaled_features.

Vector Assembler And Standard Scaler

Now our Data is ready to feed into the model. We split the data into a training set as 70% and a testing set. 30%. Splitting data is an important part of evaluating the data mining model. Because the testing dataset already contains known values for the attribute that you want to predict, it is easy to determine the model accuracy or whether the model is correct or not.

Now In this step we build machine learning model using the training set for training. Then, we will use the testing set for testing.

Decision Tree Classifier :

  • Test Error :

Test error Decision Tree
Accuracy and Precision Rate of Decision Tree Classifier

Random Forest Classifier :

  • Test Error

Accuracy and Precision Rate of Random Forest Classifier :

Accuracy and precision Rate of Random Forest Classifier

Logistic Regression :

Accuracy and Precision rate of Logistic Regression :

Accuracy and precision rate of logistic regression

GBT Classifier :

  • Test Error :

Test Error GBT

Accuracy and precision Rate of GBT Classifier :

Accuracy and precision Rate of GBT Classifier :

Conclusion :

GBT Classifier We give us best Result which is 82.06 %

Thank You

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