Acquisition Threshold

A bank has two levels of customer acquisition strategies for customers opening new credit cards. Customers are classified into two categories: high spenders and regular spenders, based on their spending habits.

• High spenders receive a one-time bonus of $800.
• Regular spenders receive a one-time bonus of $100.

Suppose that the bank makes a return based on a percentage of each customer’s spending. The bank wants to attract as many customers as possible while not losing money on this customer acquisition campaign.

Write a Python function that takes in a list of client spending and a return rate to determine the minimum client spending threshold to award the high spender bonus, while having the return on investment be at least as high as the total bonus spend. Make sure to filter out extreme values in the data and return 0 if the return on investment is never as high as the total bonus spent.

Example:

Input:

customers_spending = [2140, 2567, 2808, 2947, 2983, 3122, 
											3161, 3566, 3958, 4643, 4737, 4766]
return_rate = 0.1

Output:

get_threshold(customers_spending, return_rate ) -> 3958