CFO John Gerspach said on the call that "we still think of cards as being a healthy part of our business, but it's not the only engine for growth that we have" and "if you take a look at what's going on in the rest of North America, the launch of the Citigold platform, we now have retail banking revenues" that were up 12 percent. In response to an analyst question over continued card incentives, the CFO said, "In general, the promotional balances – while a range of offers vary – do go up to 21 months … Don't freak out. It doesn't mean it's going to be 21 months before we see growth."