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Investigating Delinquency Spikes

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Your question is Investigating Delinquency Spikes. Take a moment with it on the right.

Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).

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Problem

If you noticed a sudden spike in credit card delinquency rates in our data, what other variables would you check to investigate the root cause?