I would like to cluster user into at least 3, and at most 7 segments based on different credit and paying back variables that i would collected from two different databases. In the attached file, i put an example of what table I will have to do this. The user_id (A-E) represents my users which, in reality, is about 20, 000. I put different potential variable that would be part of clustering. I would assume they can rage from 5-15 variables (in the example, dunning state, no. of missing date, and so on).
My question is,
1) Is it possible to do a k-means clustering to achieve such segmentation? Or do I need to have other statistical means I should purse?
2) Which software can do the job well (R or Spss)?
Excuse any nativity on my part, as i am new to quantitative data analysis.