Our card portfolio has $10 billion in balances at 20% APR, with a 5% cost of funds and a 4% loss rate. Someone proposes raising APR by 2 points across the board. We expect 5% of balances to attrite, mostly prime customers, pushing the loss rate up to 4.5%. Would you support this?

我们的信用卡组合余额100亿美元，APR 20%，资金成本5%，损失率4%。有人提议全线上调APR 2个百分点，预计余额会流失5%，而且流失的多是优质客户，损失率会升到4.5%。你支持这个提议吗？