Based on https://archive.ics.uci.edu/ml/datasets/default+of+credit+card+clients:
This research employed a binary variable, default payment (Yes = 1, No = 0), as the response variable. This study reviewed the literature and used the following 23 variables as explanatory variables:
LIMIT_BAL: Amount of the given credit (NT dollar): it includes both the individual consumer credit and his/her family (supplementary) credit
SEX: Gender (1 = male; 2 = female)
EDUCATION: Education (1 = graduate school; 2 = university; 3 = high school; 4 = others)
MARRIAGE: Marital status (1 = married; 2 = single; 3 = others)
AGE: Age (year)
PAY_0, PAY_2, PAY_3, PAY_4, PAY_5, PAY_6:
History of past payment. We tracked the past monthly payment records (from April to September, 2005) as follows: PAY_0 = the repayment status in September, 2005; PAY_2 = the repayment status in August, 2005; . . .;PAY_6 = the repayment status in April, 2005. The measurement scale for the repayment status is: -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.
BILL_AMT1, BILL_AMT2, BILL_AMT3, BILL_AMT4, BILL_AMT5, BILL_AMT6:
Amount of bill statement (NT dollar). BILL_AMT1 = amount of bill statement in September, 2005; BILL_AMT2 = amount of bill statement in August, 2005; . . .; BILL_AMT6 = amount of bill statement in April, 2005.
PAY_AMT1, PAY_AMT2, PAY_AMT3, PAY_AMT4, PAY_AMT5, PAY_AMT6:
Amount of previous payment (NT dollar). PAY_AMT1 = amount paid in September, 2005; PAY_AMT2 = amount paid in August, 2005; . . .;PAY_AMT6 = amount paid in April, 2005.