Table 6 Regression results for three groups

PD = 6, fee > 0

 FFL

88.79

47.01*

0.69

17.25

−145.9

53.12***

−130.28

187.19

−15.03

15.17

 PR

−45.53

25.52***

−0.88

9.36

87.61

28.84***

60.29

101.64

3.55

8.24

 PB balance

0.2

0.02***

0.11

8.01e−3***

−0.24

0.02***

−0.08

0.08

−0.2

7.12e−3***

 Finance charge

−37.72

1.78***

−1.66

0.65***

12.72

2.01***

3.04

7.08

4.62

0.57***

 Fee

64.13

2.35***

−2.7

0.86***

−51.44

2.66***

−19.72

9.40***

0.09

0.76

 Spending

4.07

0.10***

3.12

0.03***

0.3

0.11***

1.52

0.41

−0.35

0.03***

 Payment

−0.23

0.04***

0.23

0.02

0.12

0.04***

−0.32

0.16*

0.27

0.01***

 Cash spend

3.62

0.47***

−0.19

0.17

2.27

0.53***

8.53

1.89***

−1.02

0.15***

 CCC #

−698.67

85.71***

−15.68

31.45

−543.76

96.99***

1769.15

341.76***

−100.7

27.71***

 EFX #

14.66

3.81***

−7.93

1.40***

−18.74

4.31***

−52.19

15.18***

−7.75

1.23***

 EFX limit

0.002

4.77e−4***

−0.002

1.75e−4***

0.003

5.39e−4***

0.01

1.89e−3***

−0.001

1.54e−4***

 CCC limit

0.31

6.91e−3***

0.02

2.54e−3***

0.1

7.83e−3***

0.16

0.03***

0.005

2.23e−3***

 Behavior score

−0.62

0.19

0.12

0.07*

0.69

0.22***

−1.32

0.78*

0.013

0.06

 FICO score

−0.06

0.61***

0.23

0.22

−7.45

0.68***

−12.54

2.41***

−0.58

0.19***

 CCC U. ratio

2820.6

89.62***

−287.95

32.89***

−6470.5

101.25***

261.16

356.79

−491.34

28.93***

 EFX U. ratio

705.87

172.25***

24.97

63.21

3300.34

194.75***

−12,203.6

686.23***

326.42

55.64***

 Cons

−894.48

641.55

63.41

235.45

8430.6

724.61***

12,136.4

2553.26***

896.49

207.02***

PD = 12

 FFL

95.7

97.01

−76

39.15*

−57.63

114.35

315.04

406.52

−55.56

33.75

 PR

−76.14

80.33

80.74

32.42***

−26.8

94.68

−327.62

336.58

57.03

27.94***

 PB balance

0.28

0.04***

0.06

0.01***

−0.28

0.04***

0.03

0.15

−0.28

0.01***

 Finance charge

−36.53

2.89***

−0.83

1.17

9.89

3.42***

−25.67

12.15***

8.03

1.01***

 Fee

60.93

3.95***

−1.58

1.59

−61.55

4.66***

−12.31

16.57

1.73

1.37

 Spending

4.1

0.14***

3.65

0.06***

0.13

0.16

1.85

0.60***

−0.33

0.05***

 Payment

−0.32

0.07***

0.23

0.03***

0.38

0.08***

−0.49

0.28*

0.3

0.02***

 Cash spend

3.31

0.81***

0.07

55.76

2.46

0.96***

0.44

3.43

−0.02

0.28

 CCC #

−887.05

138.17***

−66.53

2.45

−540.83

163.17***

1492.69

580.07***

−6.83

48.15

 EFX #

12.72

6.07***

−8.29

3.18e−4***

−33.69

7.14***

−20.41

25.40

−9.02

2.11***

 EFX limit

0.003

7.89e−4***

−0.001

4.4e−3***

0.006

9.29e−4***

1.58e−3

3.33e−3

−0.001

2.74e−4***

 CCC limit

0.29

0.01***

0.01

0.12***

0.08

0.01***

0.07

0.04

−0.009

3.8e−3***

 Behavior score

−0.7

0.29***

−0.09

0.39

0.22

0.34

−3.86

1.23***

−0.003

0.10

 FICO score

−0.54

0.96

1.04

58.89***

−5.59

1.14***

−7.12

4.06*

0.41

0.34

 CCC U. ratio

2703.43

145.92***

−265.58

−4.51***

−6451.12

172.06***

793.52

611.69

−553.7

50.78***

 EFX U. ratio

633.96

282.43***

153.82

113.99

3950.92

333.01***

−10,809.1

1183.84***

443.67

98.28***

 Cons

−278.12

925.53

8.56

373.54

7007.85

1091.57***

7998.88

3880.50***

333.21

322.16

PD = 6, fee = 0

 FFL

64.47

48.86

7.5

19.01

−101.83

54.32*

124.68

189.93

−21.63

15.08

 PR

−140.44

36.20***

4.91

14.09

22.05

40.25

−182.03

140.73

12.64

11.17

 PB balance

0.16

0.03***

0.07

0.01***

−0.27

0.03***

−0.05

0.11

−0.21

8.89e−3***

 Finance charge

−38.44

2.27***

0.26

0.88

18.64

2.52***

18.45

8.83***

4.93

0.70***

 Fee

61.9

3.08***

−1.47

1.19

−55.71

3.42***

−0.23

11.98

1.1

0.95

 Spending

4.27

0.12***

3.49

0.04***

−0.32

0.13***

0.91

0.48*

−0.25

0.03***

 Payment

−0.1

0.05*

0.21

0.02***

0.38

0.06***

−0.1

0.21

0.24

0.02***

 Cash spend

1.58

0.45***

0.04

0.17

2.47

0.50***

2.78

1.76

−0.26

0.14*

 CCC #

−797.83

109.85***

−40.62

42.76

−219.16

122.47*

1709.87

428.22***

−43.61

34.01

 EFX #

12.72

4.82***

−8.29

1.87***

−33.69

5.35***

−20.41

18.73

−9

1.48***

 EFX limit

10.16

6.21e−4***

−7.83

2.42e−4***

−32.94

6.91e−4***

−41.99

2.41e−3***

−4.35

1.92e−4***

 CCC limit

0.31

8.88e−3***

0.01

3.46e−3***

0.07

9.88e−3***

0.04

0.03

0.001

2.74e−3

 Behavior score

−0.85

0.25***

−0.08

0.10

0.71

0.27***

−1.45

0.96

−0.06

0.08

 FICO score

0.62

0.77

0.97

0.30***

−6.8

0.85***

−8.42

3.00***

−0.15

0.24

 CCC U. ratio

2715.78

113.86***

−236.64

44.32***

−6662.5

126.61***

−604.9

442.70

430.19

35.15***

 EFX U. ratio

1191.27

224.55***

147.73

87.41*

3658.87

249.80***

−11,667.4

873.40***

409.52

69.36***

 Cons

−891.97

685.38

−390.55

266.80

7433.67

762.64***

9412.06

2666.51***

530.25

211.76***