Plotly Python Graphs

Please go to the following boxes below for various interactive Plotly graphs. All the graphs are created from the same dataset. For the dataset and codes, please click on the button right below.

Code & Data

Credit card balance distributions for male and female are fairly similar. However, male has a slightly higher median balance than female does.

Figure 1

Regardless of gender, lower income level tends to associate with higher credit card balance. Interestingly, female does have higher balance than male across the income spectrum.

Figure 2

Among married group, Caucasian has the highest median credit rating score. Asian has the highest median rating score among non-married group. All groups have mostly similar credit distributions. Non-married African American group has slightly different shape than the rest with a high peak around 300 credit score.

Figure 3

In general, credit rating and income seem to have a positive relationship here. This trend is true for each ethnicity group too. Many people are in less-than-100k income level and have less-than-600 credit score.

Figure 5

There is a positive relationship between income and credit card balance even when gender is factored. The trend lines for male and female are almost identical. However, the income coefficient and R-squared values for male are higher than those for female.

Figure 7

Student group has lower credit limit than non-student group does in general. Married Caucasian group has the highest credit limit follows by non-married Caucasian. Married male Asian has the lowest credit limit among all groups.

Figure 9

The majority of people have credit scores between 200 and 400. When combine with education, the highest concentration appears between 100-600 rating and 10-17 years of education.

Figure 4

Female group has a higher average credit card balance than male group. Average credit balance for female Asian group is the highest while male Asian has the lowest average balance. Caucasian group has the highest total number of credit cards than other groups.

Figure 6

There is a clear trend here between income, credit limit, and credit card balance. Higher income and credit limit associates with higher balance. When gender and marital status factor in, the trend seems to hold.

Figure 8

In general, higher credit rating means higher credit card balance. This is especially true for the later years. For 2016 and 2017 years, two big clusters are formed (less than rating of 400 and balance of $500 for 2016, and less than rating of 600 and balance of $1,000 for 2017). African American group stands out in 2018 with relatively high rating and balance while for other years, Caucasian seems to be the leading group.

Figure 10