I’m about to say something that might surprise you… Capping credit card rates at 10% sounds amazing on the surface. Who wouldn’t want lower interest? But here’s the part most people aren’t talking about. If lenders are forced into a hard cap like that, credit card companies don’t just shrug and take the loss. They protect their bottom line. That usually means issuing fewer cards, tightening approvals, and pulling back on credit limits. And when that happens? Less access to credit = less spending
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