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Arnab-Saha-241562423/credit-card-usage-guide-lm

sourceHugging Faceupdated 4mo agoView on Hugging Face
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Model Card

Arnab-Saha-241562423/credit-card-usage-guide-lm

Tiny GPT-style model trained for educational credit-card usage guidance.

Model Details

  • —Architecture: decoder-only transformer (nanoGPT-style)
  • —Tokenization: character-level tokenizer (char_tokenizer.json)
  • —Domain: retail banking education (credit-card usage)

Intended Use

  • —Educational Q&A about credit card usage basics.
  • —Not for personalized financial advice.

Evaluation Method

  • —Split: lightweight internal prompts from domain-focused examples.
  • —Evaluation style: manual and semi-structured checks.
  • —Metrics tracked:
  • —Perplexity from held-out text chunks.
  • —Key-point coverage on Q&A prompts.
  • —Safety behavior checks on risky prompts.

Benchmark Snapshot

MetricMethodResult
Perplexity (lower is better)python main.py --mode eval --checkpoint checkpoints/sft_model.ptTBD on user machine
Q&A RelevanceManual review on sample promptsMostly relevant for common card-usage questions
Safety Disclaimer PresenceManual reviewUsually present after SFT

Safety Limitations And Known Failure Cases

  • —Can hallucinate details or omit important caveats.
  • —May produce incomplete or awkward sentence endings.
  • —Can mix nearby concepts (for example fees vs interest vs utilization).
  • —Not reliable for jurisdiction-specific legal/compliance interpretation.
  • —Should not be used for credit decisions, underwriting, fraud workflows, or customer-specific advice.

Recommended Safe Usage

  • —Keep use scope to educational guidance.
  • —Always verify with official issuer terms and local regulations.
  • —Add human review before showing output to end users.

Safety Note

Always verify card-specific terms and regulations with the official issuer documentation.

Artifacts

  • —pytorch_model.bin (exported from sft_model.pt)
  • —config.json
  • —char_tokenizer.json

Example

python
# Load checkpoint files from this repo and run with the local project code.