Credit Card Loans (/api/v1/credit-card-loans)

Endpoints specific to credit card application decisioning and limit predictions.

1. Predict Credit Card Loan

Execute a risk and limit prediction for a credit card application based on user profile and financial history.

• Method: POST
• Endpoint: /api/v1/credit-card-loans/predict
• Authentication: Required (X-API-Key or Bearer / session — see Introduction)
• Headers:
  • X-API-Key: <your_api_key>
  • Content-Type: application/json

Request Body

Parameter	Type	Description
Total_Good_Debt	Number	The applicant's total existing good debt.
Applicant_Gender_M	Number	1 if male, 0 otherwise.
Income_Type_Working	Number	1 if standard working class, 0 otherwise.
Job_Title_Laborers	Number	1 if laborer role, 0 otherwise.
Family_Status_Married	Number	1 if married, 0 otherwise.
Total_Income	Number	The applicant's annual gross income.
Total_Children	Number	The number of children the applicant has.
Years_of_Working	Number	Total years of employment.
Applicant_Age	Number	Applicant's current age.
Income_Type_State_servant	Number	1 if state servant, 0 otherwise.

JSON Schema

{
  "Total_Good_Debt": 15000,
  "Applicant_Gender_M": 1,
  "Income_Type_Working": 1,
  "Job_Title_Laborers": 0,
  "Family_Status_Married": 1,
  "Total_Income": 95000,
  "Total_Children": 2,
  "Years_of_Working": 10,
  "Applicant_Age": 35,
  "Income_Type_State_servant": 0
}

cURL

curl -X POST https://api.riskinmind.ai/api/v1/credit-card-loans/predict \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "Total_Good_Debt": 15000,
    "Applicant_Gender_M": 1,
    "Income_Type_Working": 1,
    "Job_Title_Laborers": 0,
    "Family_Status_Married": 1,
    "Total_Income": 95000,
    "Total_Children": 2,
    "Years_of_Working": 10,
    "Applicant_Age": 35,
    "Income_Type_State_servant": 0
  }'

Python

import requests

url = "https://api.riskinmind.ai/api/v1/credit-card-loans/predict"
headers = {
    "X-API-Key": "YOUR_API_KEY",
    "Content-Type": "application/json"
}
data = {
    "Total_Good_Debt": 15000,
    "Applicant_Gender_M": 1,
    "Income_Type_Working": 1,
    "Job_Title_Laborers": 0,
    "Family_Status_Married": 1,
    "Total_Income": 95000,
    "Total_Children": 2,
    "Years_of_Working": 10,
    "Applicant_Age": 35,
    "Income_Type_State_servant": 0
}

response = requests.post(url, headers=headers, json=data)
print(response.json())

JavaScript

const response = await fetch('https://api.riskinmind.ai/api/v1/credit-card-loans/predict', {
  method: 'POST',
  headers: {
    'X-API-Key': 'YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    Total_Good_Debt: 15000,
    Applicant_Gender_M: 1,
    Income_Type_Working: 1,
    Job_Title_Laborers: 0,
    Family_Status_Married: 1,
    Total_Income: 95000,
    Total_Children: 2,
    Years_of_Working: 10,
    Applicant_Age: 35,
    Income_Type_State_servant: 0
  })
});

const data = await response.json();
console.log(data);

Response

• Content-Type: application/json

{
  "predictions": [
    {
      "probability": 0.85,
      "rejection_probability": 0.15
    }
  ]
}

Field	Type	Description
predictions[0].probability	Number	Likelihood of application approval (0-1).
predictions[0].rejection_probability	Number	Likelihood of application rejection (0-1).