How can I calculate the % of balance paid in a month for a credit card user In my credit card accounts dataset I have the current month end balance, previous month end balance, month end interest amount, and month end payment amount. How can I figure out the % of balance paid for each accounts using these values? Also, I want to consider the case when the account has a 0 or negative account balance too.. That's when the account has a debit, rather than a credit balance. Thank you!
 A: To calculate % of balance paid.
I assume

*

*there is a customer and a credit card company, and

*any negative 'flow' amount describes an increase in what the customer owes

*any negative 'stock' amount means that at that time the customer owes the company.

Suppose your variables are

*

*CURRENT_MONTH_END_BALANCE,

*PREVIOUS_MONTH_END_BALANCE,

*CURRENT_MONTH_END_INTEREST_AMOUNT,

*CURRENT_MONTH_END_PAYMENT_AMOUNT,

*CURRENT_MONTH_TOTAL_NEW_TRANSACTIONS.

So (usually)

*

*CURRENT_MONTH_END_BALANCE < 0, (the customer owes the company),

*PREVIOUS_MONTH_END_BALANCE < 0

*CURRENT_MONTH_END_INTEREST_AMOUNT < 0
(interest means the customer owes more)

*CURRENT_MONTH_END_PAYMENT_AMOUNT > 0 (customer sends money which reduces their debt)

*CURRENT_MONTH_TOTAL_NEW_TRANSACTIONS < 0 (customer buys new things which increases their debt).

I assume
3. that the CURRENT_MONTH_END_BALANCE includes the new transactions for the current month and the interest for the current month and the payment for the current month, so that
CURRENT_MONTH_END_BALANCE = PREVIOUS_MONTH_END_BALANCE + CURRENT_MONTH_END_INTEREST_AMOUNT + CURRENT_MONTH_END_PAYMENT_AMOUNT + CURRENT_MONTH_TOTAL_NEW_TRANSACTIONS.
I would calculate "% of balance paid" as
IF(PREVIOUS_MONTH_END_BALANCE<0,CURRENT_MONTH_END_PAYMENT_AMOUNT / -PREVIOUS_MONTH_END_BALANCE,"Not calculated")
i.e. for the consider the case when the account has a 0 balance or if the company owes the customer I would not calculate the % paid.
