A competitor just raised its flat cash back from 1.5% to 2%. Our comparable card does 50 billion dollars of annual spend, pays 1.5% cash back, and earns roughly 2% interchange, and our spend dropped 8% last month. The CEO asks whether we should match 2% right away. What do you think?

竞争对手把无门槛返现从1.5%提到了2%。我们同类卡一年消费500亿美元，返现1.5%，交换费大约2%，上个月消费额掉了8%。CEO问要不要马上跟进到2%，你怎么想？