Department of Mathematics;
Faculty of Science;
Universiti Putra Malaysia;
Serdang;
Malaysia;
Laboratory of Computational Statistics and Operations Research;
Institute for Mathematical Research;
Universiti Putra Malaysia;
Serdang;
Malaysia;
Nottingham University Business School;
The University of Nottingham Malaysia Campus;
Semenyih;
Malaysia;
Credit; Card; Credit; Scoring; Dynamic; Programming; Profitability;