That makes sense but then the article's claim of losing half the credit cards is only true if we assume even distribution of user activity which seems far fetched at best.
I originally wrote "about half" but there was one too many words in the sentence. Also I figure for an eCommerce site max-traffic might be 7-9pm or something so even though there's more sleeping happening outside 7am-7pm, there might be equal traffic. Anyway ... close enough.