The CRO wants our 30+ days past due rate for credit cards. We have 1,000 customers and 1,200 accounts; 60 accounts are delinquent, belonging to 30 customers. Account-level gives 5%, customer-level gives 3%, and two teams are arguing. How would you decide which definition to use and how would you present it to the CRO?

CRO想看信用卡30天以上逾期率。我们有1000个客户、1200个账户，其中60个账户逾期，分属30个客户。按账户算是5%，按客户算是3%，两个团队吵起来了。你会怎么定口径、怎么向CRO汇报？