I'll give you this one for free: there's no relationship.

Defined "double_or_more" to be just as you say: double or more the amount requested vs. the revolving balance, but only defined among credit card refinance or debt consolidation. By the way, it's not that common to request twice as much or more--around 14%.

. summarize requested_to_revolving if double_or_more~=. & loss~=., det

requested_to_revolving

-------------------------------------------------------------

Percentiles Smallest

1% .0618095 .0286648

5% .1461917 .0298174

10% .2376426 .0305769 Obs 3467

25% .4672504 .0310281 Sum of Wgt. 3467

50% .8508224 Mean 139.4503

Largest Std. Dev. 1157.935

75% 1.316779 10000

90% 2.70636 10000 Variance 1340813

95% 5.772595 10000 Skewness 8.343586

99% 10000 10000 Kurtosis 70.75363

Analysis restricted to 36-month credit-refi or debt consolidation loans completed prior to November 2012 (N = 3467). Defined loss to be being repaid less than the amount loaned. Chi-2 revealed no difference in proportion of loans repaid.

+----------------+

| Key |

|----------------|

| frequency |

| row percentage |

+----------------+

double_or_ | loss

more | 0 1 | Total

-----------+----------------------+----------

0 | 2,551 425 | 2,976

| 85.72 14.28 | 100.00

-----------+----------------------+----------

1 | 419 72 | 491

| 85.34 14.66 | 100.00

-----------+----------------------+----------

Total | 2,970 497 | 3,467

| 85.66 14.34 | 100.00

Pearson chi2(1) = 0.0504 Pr = 0.822