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A number of research initiatives have recently been launched around the world regarding the conceptualization, specification, design and development principles of the future use of credit cards, storing secret information on them, while most time we use them for online payment. In addition, if it has enough money, we can pay for what we need at any time. Therefore, the goal of this proposed research is to use data mining techniques to predict credit card payment next month. Our proposed system contains five steps: (a) find the suitable database from the internet because this database is not available in Iraq, (b) pre-process the credit card database based on person correlation matrix to determine which feature is less correlated with other to remove it and reduce the time of prediction, (c) split pre-processing database into two parts training and testing dataset, (d) apply TreeNet prediction data mining techniques (TPDMT) on training dataset to test if we need payment next month or do not, find the optimal tree. TreeNet based on Boosting Machine usually makes the predictor to use Decision Trees (DTs). (e ) Finally, pass the testing dataset on the optimal tree results from TPDMT, then using the five measures related to confusion matrix to evaluate the results including “Accuracy (AC), recall or true positive rate (TP), precision (P), F-measure (considers both precision and recall) and Fb”.

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