Data shows customers enrolled in autopay have a 30+ day delinquency rate of just 0.8%, versus 4.5% for those who aren't. The PM wants to push autopay to everyone and claims portfolio delinquency will drop close to 0.8%. Right now 30% of our 1 million customers are on autopay. How would you evaluate that claim?

数据显示，开通了自动还款的客户30天以上逾期率只有0.8%，没开的是4.5%。产品经理想强推所有客户开通，说全行逾期率能降到接近0.8%。我们现在100万客户里有30%开了自动还款。你怎么评估这个说法？