It appeals to people who don't want to worry about transferring balances. When you have a low fixed-rate card, there's no reason to be jumping around.

We don't want our good customers subsidizing our bad customers or those that are more challenged. It's not just one bad move. It's really looking at a customer's portfolio as a whole and deciding what product is right for them at the time. Each one is priced to their own risk and what's going on at the time.

Of course, we may look at rule breakers more frequently. If people are constantly late or going over the limit, we don't want to give them that much leverage to overextend themselves.