We currently approve applicants with a credit score of 680 or above. If we lower the cutoff to 660, we'd approve about 20,000 more accounts a year. These customers would carry an average balance of $2,000 at a 24% APR, with an expected loss rate of 9%, a 5% cost of funds, and about $100 per account per year in operating and acquisition costs. Should we lower the cutoff?

我们现在信用分680以上才批卡。如果降到660，每年能多批2万户，这批人平均余额2000美元、APR 24%，预计损失率9%，资金成本5%，每户运营加获客成本每年100美元。你觉得该不该放？