According to the data_dictionary.xlsx, 'installments' means number of installments of purchase. Does this mean the number of times that a customer need to pay for the goods he/she buys? (Some customers prefer to pay whole amount at once while others pay small sums of money several times). If this is correct, why there is value of -1 and 0 in this column? Pay -1 or 0 times?
", "messages": [ { "id": 428805, "postDate": "2018-11-27T23:08:00.750Z", "content": "Yes, in Brazil it is very common to use the credit card this way. You slide the card once and you pay in N \"installments\" meaning that for N months in your credit card bill you will pay : ( transaction value ) / N. The merchants will also receive the amount due in N payments for the next N months. I don´t know what -1 means, but 0 could be no installment (this is my guess).
", "rawMarkdown": "Yes, in Brazil it is very common to use the credit card this way. You slide the card once and you pay in N \"installments\" meaning that for N months in your credit card bill you will pay : ( transaction value ) / N. The merchants will also receive the amount due in N payments for the next N months. I don´t know what -1 means, but 0 could be no installment (this is my guess).", "votes": 13, "replies": [ { "id": 464126, "postDate": "2019-01-31T08:33:16.880Z", "content": "This is reasonable. Thanks
", "rawMarkdown": "This is reasonable. Thanks" } ] }, { "id": 428741, "postDate": "2018-11-27T19:57:01.270Z", "content": "According to the data_dictionary.xlsx, 'installments' means number of installments of purchase. Does this mean the number of times that a customer need to pay for the goods he/she buys? (Some customers prefer to pay whole amount at once while others pay small sums of money several times). If this is correct, why there is value of -1 and 0 in this column? Pay -1 or 0 times?
", "rawMarkdown": "According to the data_dictionary.xlsx, 'installments' means number of installments of purchase. Does this mean the number of times that a customer need to pay for the goods he/she buys? (Some customers prefer to pay whole amount at once while others pay small sums of money several times). If this is correct, why there is value of -1 and 0 in this column? Pay -1 or 0 times?", "votes": 7 }, { "id": 430894, "postDate": "2018-12-01T06:28:50.050Z", "content": "I saw in one of the other threads (https://www.kaggle.com/c/elo-merchant-category-recommendation/discussion/73217 )that -1 is a value that is used as a substitute for Null values. Although in the mentioned thread, the discussion is on the state attribute, I would assume the same is applicable here.
\n\nThe other values 0, 1 and 999 are still unclear though. I have interpreted it as follows:\n0 - There is only down payment and no installments\n1 - Down payment + 1 installment \n2 - 12 - Number of installments, one every month\n999 - Anything more than 12 is grouped as 999. Its interesting that 182 of 188 transactions with 999 installments were not approved!
", "rawMarkdown": "I saw in one of the other threads (https://www.kaggle.com/c/elo-merchant-category-recommendation/discussion/73217 )that -1 is a value that is used as a substitute for Null values. Although in the mentioned thread, the discussion is on the state attribute, I would assume the same is applicable here. \n\nThe other values 0, 1 and 999 are still unclear though. I have interpreted it as follows:\n0 - There is only down payment and no installments\n1 - Down payment + 1 installment \n2 - 12 - Number of installments, one every month\n999 - Anything more than 12 is grouped as 999. Its interesting that 182 of 188 transactions with 999 installments were not approved! ", "votes": 3 }, { "id": 428936, "postDate": "2018-11-28T05:20:48.423Z", "content": "Installment is Like EMI.
", "rawMarkdown": "Installment is Like EMI.", "votes": 3, "replies": [ { "id": 428939, "postDate": "2018-11-28T05:26:22.037Z", "content": "Hi Ashish, may I ask is EMI 'equated monthly installment' ? And what do you think -1 in this column mean?
", "rawMarkdown": "Hi Ashish, may I ask is EMI 'equated monthly installment' ? And what do you think -1 in this column mean?" }, { "id": 428991, "postDate": "2018-11-28T07:23:13.637Z", "content": "Yes. EMI = equated monthly installment.\nI'm guessing -1 means customer didn't opt for payment in installments and paid in full.
", "rawMarkdown": "Yes. EMI = equated monthly installment.\nI'm guessing -1 means customer didn't opt for payment in installments and paid in full. " } ] }, { "id": 429731, "postDate": "2018-11-29T09:08:16.557Z", "content": "Well I don't get what 1 means either. Isn't installments mean paying money in several period? But if installments is 1, it means you pay money in 1 period, which is same as not using installments,,
", "rawMarkdown": "Well I don't get what 1 means either. Isn't installments mean paying money in several period? But if installments is 1, it means you pay money in 1 period, which is same as not using installments,, ", "replies": [ { "id": 437991, "postDate": "2018-12-12T22:50:23.563Z", "content": "installment = 1 means that the customer choosed to pay cash.
", "rawMarkdown": "installment = 1 means that the customer choosed to pay cash." } ] }, { "id": 429237, "postDate": "2018-11-28T15:12:18.747Z", "content": "how about 999?
", "rawMarkdown": "how about 999?", "replies": [ { "id": 429797, "postDate": "2018-11-29T10:50:22.950Z", "content": "Maybe a subscription without a fix end date?
", "rawMarkdown": "Maybe a subscription without a fix end date?" } ] }, { "id": 429055, "postDate": "2018-11-28T09:26:26.357Z", "content": "Yes I think it is buying on credit sometimes with 0% interest. The buyer pays the money in multiple installments. I think the data here just shows whether the buyer used credit or not... 1 and 0 are indicating the boolean value True or false.
", "rawMarkdown": "Yes I think it is buying on credit sometimes with 0% interest. The buyer pays the money in multiple installments. I think the data here just shows whether the buyer used credit or not... 1 and 0 are indicating the boolean value True or false." }, { "id": 429288, "postDate": "2018-11-28T16:35:46.870Z", "rawMarkdown": "", "isDeleted": true } ], "comments": [ { "id": 428805, "author_name": "Cristiana Parada", "author_url": "", "post_date": "2018-11-27T23:08:00.750000", "content": "Yes, in Brazil it is very common to use the credit card this way. You slide the card once and you pay in N \"installments\" meaning that for N months in your credit card bill you will pay : ( transaction value ) / N. The merchants will also receive the amount due in N payments for the next N months. I don´t know what -1 means, but 0 could be no installment (this is my guess).
", "votes": 13, "replies": [ { "id": 464126, "author_name": "LongYin/杰少", "author_url": "", "post_date": "2019-01-31T08:33:16.880000", "content": "This is reasonable. Thanks
", "votes": 0, "replies": [] } ] }, { "id": 430894, "author_name": "KarthikDutt", "author_url": "", "post_date": "2018-12-01T06:28:50.050000", "content": "I saw in one of the other threads (https://www.kaggle.com/c/elo-merchant-category-recommendation/discussion/73217 )that -1 is a value that is used as a substitute for Null values. Although in the mentioned thread, the discussion is on the state attribute, I would assume the same is applicable here.
\n\nThe other values 0, 1 and 999 are still unclear though. I have interpreted it as follows:\n0 - There is only down payment and no installments\n1 - Down payment + 1 installment \n2 - 12 - Number of installments, one every month\n999 - Anything more than 12 is grouped as 999. Its interesting that 182 of 188 transactions with 999 installments were not approved!
", "votes": 3, "replies": [] }, { "id": 428936, "author_name": "NowYSM", "author_url": "", "post_date": "2018-11-28T05:20:48.423000", "content": "Installment is Like EMI.
", "votes": 3, "replies": [ { "id": 428939, "author_name": "Snorlax", "author_url": "", "post_date": "2018-11-28T05:26:22.037000", "content": "Hi Ashish, may I ask is EMI 'equated monthly installment' ? And what do you think -1 in this column mean?
", "votes": 0, "replies": [] }, { "id": 428991, "author_name": "kh sarma", "author_url": "", "post_date": "2018-11-28T07:23:13.637000", "content": "Yes. EMI = equated monthly installment.\nI'm guessing -1 means customer didn't opt for payment in installments and paid in full.
", "votes": 0, "replies": [] } ] }, { "id": 429731, "author_name": "Ryan Song", "author_url": "", "post_date": "2018-11-29T09:08:16.557000", "content": "Well I don't get what 1 means either. Isn't installments mean paying money in several period? But if installments is 1, it means you pay money in 1 period, which is same as not using installments,,
", "votes": 0, "replies": [ { "id": 437991, "author_name": "ReinaldoMaciel", "author_url": "", "post_date": "2018-12-12T22:50:23.563000", "content": "installment = 1 means that the customer choosed to pay cash.
", "votes": 0, "replies": [] } ] }, { "id": 429237, "author_name": "Ethan", "author_url": "", "post_date": "2018-11-28T15:12:18.747000", "content": "how about 999?
", "votes": 0, "replies": [ { "id": 429797, "author_name": "Peter Klagyivik", "author_url": "", "post_date": "2018-11-29T10:50:22.950000", "content": "Maybe a subscription without a fix end date?
", "votes": 0, "replies": [] } ] }, { "id": 429055, "author_name": "JosephSha", "author_url": "", "post_date": "2018-11-28T09:26:26.357000", "content": "Yes I think it is buying on credit sometimes with 0% interest. The buyer pays the money in multiple installments. I think the data here just shows whether the buyer used credit or not... 1 and 0 are indicating the boolean value True or false.
", "votes": 0, "replies": [] }, { "id": 429288, "author_name": "", "author_url": "", "post_date": "2018-11-28T16:35:46.870000", "content": "", "votes": 0, "replies": [] } ], "raw_markdown_by_id": { "428805": "Yes, in Brazil it is very common to use the credit card this way. You slide the card once and you pay in N \"installments\" meaning that for N months in your credit card bill you will pay : ( transaction value ) / N. The merchants will also receive the amount due in N payments for the next N months. I don´t know what -1 means, but 0 could be no installment (this is my guess).", "428741": "According to the data_dictionary.xlsx, 'installments' means number of installments of purchase. Does this mean the number of times that a customer need to pay for the goods he/she buys? (Some customers prefer to pay whole amount at once while others pay small sums of money several times). If this is correct, why there is value of -1 and 0 in this column? Pay -1 or 0 times?", "430894": "I saw in one of the other threads (https://www.kaggle.com/c/elo-merchant-category-recommendation/discussion/73217 )that -1 is a value that is used as a substitute for Null values. Although in the mentioned thread, the discussion is on the state attribute, I would assume the same is applicable here. \n\nThe other values 0, 1 and 999 are still unclear though. I have interpreted it as follows:\n0 - There is only down payment and no installments\n1 - Down payment + 1 installment \n2 - 12 - Number of installments, one every month\n999 - Anything more than 12 is grouped as 999. Its interesting that 182 of 188 transactions with 999 installments were not approved! ", "428936": "Installment is Like EMI.", "429731": "Well I don't get what 1 means either. Isn't installments mean paying money in several period? But if installments is 1, it means you pay money in 1 period, which is same as not using installments,, ", "429237": "how about 999?", "429055": "Yes I think it is buying on credit sometimes with 0% interest. The buyer pays the money in multiple installments. I think the data here just shows whether the buyer used credit or not... 1 and 0 are indicating the boolean value True or false.", "429288": "" } }