Our 30+ day credit card delinquency rate went from 3.0% last quarter to 2.5% this quarter, and the CRO wants to tell the board that risk has improved. For context, we ran a big acquisition promotion this quarter: total balances grew from $1 billion to $1.3 billion, and delinquent balances rose from $30 million to $32.5 million. What would you tell the CRO?

上季度信用卡30天以上逾期率3.0%，这季度降到2.5%，CRO想在董事会上说风险改善了。背景是这季度做了获客大促，总余额从10亿美元涨到13亿美元，逾期余额从3000万涨到3250万美元。你会怎么跟CRO说？