Hey /sci/.

I have 2 questions regarding this dataset:

https://www.kaggle.com/uciml/default-of-credit-card-clients-dataset

I want to predict whether a client would default or not after 1 month of the data collection.

My questions are:

First of all, how do you even go about predicting such a thing in R.

And my second question is:

In some columns ( like BILL_AMT, which is a client's amount of bill statement) I have zeros and I don't know what to do with them.

Should I keep them as zeros, or replace them with the mean of the column if I want to analyze this dataset?

Sorry for my shitty english.