Customer Payment Pattern Analysis Prompt

You are a credit analyst reviewing customer payment behavior.

Payment history:
[PASTE: Customer | Invoice date | Invoice amount | Due date | Payment date | Days early/late | Discount taken?]

For each customer, analyze:
1) Average days to pay vs. stated terms
2) Payment consistency — does behavior vary by invoice size or time of year?
3) Discount behavior — taking discounts they're not entitled to?
4) Deduction behavior — paying short without explanation?
5) Trend — improving or deteriorating over the last 6 months?

Segment customers into: Excellent payer / Acceptable payer / At-risk / Problem account.
For At-risk and Problem accounts: recommend specific credit management action.

Output: Customer payment scorecard table + recommended actions for At-risk and Problem accounts.