Nataly Bruk

Course Project Part A

AJ Davis Department Stores credit customer evaluation
AJ Davis Department store credit customers vary by location, income,
household size, years living in current location, and credit balance. The
locations of customers are distributed by rural, suburban and urban. Income
of customers is listed in $1,000. Household size is the number of people
living in the house. The years are the number of years that the customer has
lived in their current location. The credit balance is the amount of money the
customer owes in credit card debt. Listed below are data tables and
graphical analysis of the variables and select relationships.

Descriptive Statistics: Income ($1,000), Credit Balance($), Size, Years

Variable
Income ($1,000)

Location
Rural
Suburban
Urban

Credit Balance($)

Total
Count
13
15
22

Mean
37.54
47.27
50.18

StDev
8.07
15.15
13.99

Variance
65.10
229.64
195.68

Minimum
25.00
25.00
27.00

Q1
31.50
32.00
38.75

Rural
Suburban
Urban

3039
4858
4331

428
742
631

183362
551106
397589

2047
3155
2631

2732
4310
4067

Size

Rural
Suburban
Urban

6.692
4.600
3.136

1.251
2.694
2.054

1.564
7.257
4.219

4.000
1.000
1.000

6.000
2.000
1.000

Years

Rural
Suburban
Urban

12.46
4.94
6.467 2.949
10.045 3.982

24.44
8.695
15.855

2.00
9.50
1.000 4.000
2.000 8.000

Variable
Income ($1,000)

Location
Rural
Suburban
Urban

Median
36.00
46.00
54.00

Q3
45.00
64.00
61.00

Maximum
53.00
69.00
74.00

Range
28.00
44.00
47.00

IQR
13.50
32.00
22.25

Mode
33
32, 57
54

Credit Balance($)

Rural
Suburban
Urban

3178
5003
4347

3281
5332
4643

3788
5861
5553

1741
2706
2922

549
1022
576

*
*
4073

Size

Rural
Suburban
Urban

7.000
4.000
2.500

8.000
8.000
5.000

8.000
8.000
7.000

4.000
7.000
6.000

2.000
6.000
4.000

7, 8
8
1

Years

Rural
Suburban
Urban

13.00
6.000
10.000

16.50
9.000
13.000

18.00
10.000
19.000

16.00
9.000
17.000

7.00
5.000
5.000

13, 15, 18
10
10

Variable
Income ($1,000)

Location
Rural
Suburban
Urban

N for
Mode
3
2
3

Credit Balance($)

Rural
Suburban
Urban

0
0
2

Size

Rural
Suburban
Urban

4
4
6

Years

Rural
Suburban
Urban

2
3
6

The table above separates each variable by location. In terms of

location there are 13 rural, 15 suburban, and 22 urban customers.

Histogram
12
10

Frequency

8
6
4
2
0

2000

3000

4000
Credit Balance($)

5000

6000

Above is a histogram showing the distribution of credit card debt in

frequency. The debt level of $4500 has the highest frequency. The mean
credit balance is $4153, the median is $4273 which is slightly greater than
the mean. This graph has a slight left deviation. The lowest credit balance is
$2047, the highest is $5861.
Variable
Mean StDev Variance Minimum Median Maximum Range
Mode Mode
Credit Balance($)4153 932 868430
2047
4273
5861
3814 4073
2

Scatterplot of Income ($1,000) vs Credit Balance($)

80

Income ($1,000)

70
60
50
40
30
20
2000

3000

4000
Credit Balance($)

5000

6000

Above is a scatter plot of Income vs Credit Balance. There is a clear linear

relationship in this plot that shows as income increases credit balance also
increases. Any variable that has a relationship or correlation with Income will
also have a relationship with Credit Balance and vice versa.
Variable
Mean StDev Variance Minimum Median Maximum Range
Mode Mode
Income ($1,000) 46.02 13.88 192.75 25.00
44.50
74.00
49.00 30, 33, 54, 57
3
Dotplot of Income ($1,000)

28

35

42

49
56
Income ($1,000)

63

70

Location
Urban
Suburban
Rural

Above is a dot plot that separates Income and location. Location is further
separated into Urban, Suburban, and Rural. Income has a wide range with
the lowest income located in the rural area. Suburban incomes span low,
medium, and high incomes. Urban incomes also span low, medium, and high
income levels. Urban incomes are the highest.

Dot Plot

2400

3000

3600
4200
Credit Balance($)

4800

5400

6000

Stem-and-Leaf Display: Income ($1,000), Credit Balance($)

Stem-and-leaf of Credit Balance($)
Leaf Unit = 100

= 50

1
2 0
6
2 66679
14
3 11122233
19
3 57789
(15) 4 000012233333344
16
4 57899
11
5 0012234
4
5 5578
The dot plot and stem and leaf of credit balance shows that credit balance has
an even distribution and a common modal distribution.
Scatterplot of Size vs Years
8
7
6

Size

5
4
3
2
1
0
0

10
Years

15

20

The scatter plot above shows a clear relationship between household size and
number of years that the customer has lived in the same location. Household
size appears to increase as number of years living in the same location

increases. It can be inferred that the longer a person lives in a location, the
more likely they are to increase their household size (settle down and have a
family).
In conclusion there are a few clear relationships exhibited in the
variables above. Incomes and credit balances have a linear relationship. As
income increases, credit balances also increase. Income and location also
have a relationship. Customers living in rural locations have the lowest
income, urban customers have the highest income but are also distributed
throughout income levels, and suburban customers are distributed
throughout. There is also a clear relationship between years and household
size. As the number of years living in a single location increases, the
household size also increases linearly.