On the risk dashboard, average credit utilization has sat at 30% for two quarters straight and looks stable. But in the underlying data you see the share of customers above 90% utilization went from 5% to 9%. Why didn't the average move, and what chart would you add to the dashboard?

风控仪表盘上，信用卡平均额度使用率连续两个季度都是30%，看起来很稳。但你翻底层数据，发现使用率超过90%的客户占比从5%升到了9%。平均值为什么没变？你会在仪表盘上加什么图？