Yuanzheng Chen, Yitian Zhang, David Chau, Matt Sherman. Credit Card Default Risk Tiering with Probability Calibration and Uncertainty-Driven Rejection: A Reproducible Study on the UCI Credit Card Clients Dataset. JACS. 2023;3(4):31-47. Accessed September 5, 2026. https://ciajournal.com/index.php/JACS/article/view/333