We had 1,000 new cardholders in January, and they spent $100K in total in their first month. By month six, only 400 of them were still spending, but those 400 spent $70K that month. One stakeholder says retention is terrible, another says it's pretty good. What's your take?

1月新开卡的1000个客户，第一个月一共刷了10万美元；到第6个月只剩400人还在刷，但这400人当月刷了7万美元。业务方一个说留存很差，一个说留存不错，你怎么看？