Cheryl Pate

I think it's difficult to make that profitability work on some cohorts of the consumer and you risk losing access to consumers who may most need that product.

I think there's also some other offsets.

Does that get moved into higher annual fees, less credit card rewards and sort of changes the landscape of the business in its entirety?

I think it's difficult to make that profitability work on some cohorts of the consumer and you risk losing access to consumers who may most need that product.

I think there's also some other offsets.

Does that get moved into higher annual fees, less credit card rewards and sort of changes the landscape of the business in its entirety?