Credit Card Compliance Checker

ML-powered · RBI-aligned · 6-feature Random Forest model

Best: Random Forest Accuracy: 91.67%
%
Allowed: 12% – 42%
₹
Allowed: ≤ ₹1,200
₹
Allowed: ≤ ₹5,000
days
Allowed: 25 – 45 days
%
Allowed: 2% – 10%
Mandatory for compliance

Calls POST /predict on the same Flask app

Model leaderboard
ModelAccuracyF1AUCCV-F1
♛Random Forest 91.67%90.20%98.61%94.46%
Decision Tree 85.00%83.64%85.47%85.59%
Logistic Regression 76.67%70.83%85.19%82.27%
Feature importance — Random Forest
Interest Rate
12% – 42%
Late Payment Fee
≤ ₹1,200
Annual Fee
≤ ₹5,000
Billing Cycle
25 – 45 days
Minimum Payment
2% – 10%
Disclosure
Must be provided

All 6 rules must pass simultaneously. Rules align with RBI Fair Practices Code and consumer credit card guidelines. Violations in any single field result in a Non-Compliant verdict.