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      "text": "1. Based on time frames used in data which differs from time frames Form 10-K\n2. Tracks Credit Card customers with 18+ months on book as of January 2019 that are still spend active in March 2023. Lowest income defined as gross income (self reported) of <$50k\n3. Refers to 4Q19 and 1Q23 period-end Card Services loans reported in quarterly earnings supplements\n4. Tracks Credit Card accounts that are open in January 2020 and still open in April 2023\n5. Percentage change in the number of accounts within the stable cohort holding a revolving balance between January 2020 and April 2023",
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