[USER (data scientist)]: Let's move on to the fifth question. I will generate the code to use clustering techniques like K-means or hierarchical clustering to group customers in the credit_customers dataset into different segments based on the optimal number of clusters you identified in the previous step. You should return Tuple containing the clustering algorithm used (string), parameters chosen (dictionary), and resulting customer segments (DataFrame with cluster labels). 
My template of code snippet is:

---BEGIN CODE TEMPLATE---

import pandas as pd  
import pickle
from decision_company import read_csv_file, col_copy, create_standard_scaler, fit_transform_standard_scaler, create_label_encoder, fit_transform_label_encoder, get_dummies, create_kmeans, fit_predict_kmeans, col_assign_val, fetch_column

# Load the dataset  
credit_customers = read_csv_file("credit_customers.csv")   
  
# YOUR SOLUTION BEGIN:
<code1>
[GENERATE YOUR CODE]  
</code1>
# YOUR SOLUTION END

print("result:\n", result)  

# save data
pickle.dump(result,open("./pred_result/result.pkl","wb"))

---END CODE TEMPLATE---

[YOU (AI assistant)]: Sure, I can help you:

# MY SOLUTION BEGIN:
