We ran a credit line increase test with 10,000 customers in each group, and everyone in the test group got a $2,000 line increase. After two months, the test group's monthly spend went from $1,000 to $1,080, which is significant. The 30+ day delinquency rate is 1.7% vs. 1.5%, which is not significant. The PM says risk didn't change and wants to roll it out to everyone. What's your take?

我们做了一个提额实验，实验组和对照组各1万人，实验组每人提额2000美元。两个月后，实验组月消费从1000涨到1080美元，显著；30天以上逾期率是1.7%对1.5%，不显著。产品经理说风险没变，要全量推。你怎么看？