{
  "id": 339200,
  "title": "Observation time vs performance window",
  "url": "/competitions/amex-default-prediction/discussion/339200",
  "author_name": "",
  "post_date": "2022-07-23T18:41:16.393423200Z",
  "votes": 2,
  "comment_count": 2,
  "views": 0,
  "content": "<p>Per the data tab: “The target binary variable is calculated by observing 18 months performance window after the latest credit card statement, and if the customer does not pay due amount in 120 days after their latest statement date it is considered a default event.”<br>\nWe know if a customer defaulted 120 days ~ 4 months after the latest statement date, so why keep watching for 14 more months?  It doesn’t affect the mechanics of the competition but it seems I’m missing something simple.</p>",
  "messages": [
    {
      "id": "1868153",
      "postDate": "07/23/2022 18:41:16",
      "content": "<p>Per the data tab: “The target binary variable is calculated by observing 18 months performance window after the latest credit card statement, and if the customer does not pay due amount in 120 days after their latest statement date it is considered a default event.”<br>\nWe know if a customer defaulted 120 days ~ 4 months after the latest statement date, so why keep watching for 14 more months?  It doesn’t affect the mechanics of the competition but it seems I’m missing something simple.</p>",
      "rawMarkdown": "Per the data tab: “The target binary variable is calculated by observing 18 months performance window after the latest credit card statement, and if the customer does not pay due amount in 120 days after their latest statement date it is considered a default event.”\nWe know if a customer defaulted 120 days ~ 4 months after the latest statement date, so why keep watching for 14 more months?  It doesn’t affect the mechanics of the competition but it seems I’m missing something simple.",
      "votes": null
    },
    {
      "id": "1868219",
      "postDate": "07/23/2022 19:50:59",
      "content": "<p>There is a good discussion about this <a href=\"https://www.kaggle.com/competitions/amex-default-prediction/discussion/335455\" target=\"_blank\">here</a></p>",
      "rawMarkdown": "There is a good discussion about this [here][1]\n\n[1]: https://www.kaggle.com/competitions/amex-default-prediction/discussion/335455",
      "votes": null
    },
    {
      "id": "1888451",
      "postDate": "08/07/2022 15:14:56",
      "content": "<p>A belated and hearty thanks - good luck and I've upvoted your stuff for what it's worth🙌</p>",
      "rawMarkdown": "A belated and hearty thanks - good luck and I've upvoted your stuff for what it's worth🙌",
      "votes": null
    }
  ],
  "comments": [
    {
      "id": 1868219,
      "author_name": "cdeotte",
      "author_url": "",
      "post_date": "07/23/2022 19:50:59",
      "content": "<p>There is a good discussion about this <a href=\"https://www.kaggle.com/competitions/amex-default-prediction/discussion/335455\" target=\"_blank\">here</a></p>",
      "votes": null,
      "replies": [
        {
          "id": 1888451,
          "author_name": "bdholland",
          "author_url": "",
          "post_date": "08/07/2022 15:14:56",
          "content": "<p>A belated and hearty thanks - good luck and I've upvoted your stuff for what it's worth🙌</p>",
          "votes": null,
          "replies": []
        }
      ]
    }
  ],
  "raw_markdown_by_id": {
    "1868153": "Per the data tab: “The target binary variable is calculated by observing 18 months performance window after the latest credit card statement, and if the customer does not pay due amount in 120 days after their latest statement date it is considered a default event.”\nWe know if a customer defaulted 120 days ~ 4 months after the latest statement date, so why keep watching for 14 more months?  It doesn’t affect the mechanics of the competition but it seems I’m missing something simple.",
    "1868219": "There is a good discussion about this [here][1]\n\n[1]: https://www.kaggle.com/competitions/amex-default-prediction/discussion/335455",
    "1888451": "A belated and hearty thanks - good luck and I've upvoted your stuff for what it's worth🙌"
  },
  "source": "meta"
}