I think the way to look at cards is both on the revenue side and the cost side. Revenues include fees and interest charges and other components. On the cost side, as one of my colleagues mentioned earlier, there are a variety of cost lines, including processing fees, network fees, fraud losses, Apple Pay transaction fees, the embedded benefits we offer with the various credit cards like my peers talked about earlier, infrastructure costs, technology costs, customer support and the innovation we do on cards.
On October 28th, 2024. See this statement in context.