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🚨 BIG SHOCK FOR AMERICANS 🇺🇸

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$币安人生 | $4 | $RIVER

President Donald Trump says credit card interest rates will be capped at 10% from January 20, 2026 — and this could be one of the biggest changes to consumer finance in decades. Right now, most Americans are stuck paying 20–30% interest, where monthly payments mostly go to banks, not to reducing debt. A 10% cap could cut this burden almost in half, meaning more money stays with people instead of disappearing into interest charges. That’s instant relief, and it changes the mood of the entire economy.

Here’s the suspense part. The U.S. credit card market is over $1.3 trillion, and Americans pay $100+ billion every year just in interest. If even a small part of that money stays in households, it becomes real spending power. Less stress, more confidence, more risk-taking. History shows when people feel financially relaxed, markets react first — equities stabilize, and risk assets usually follow. This looks like a hidden liquidity boost, not from the Fed, but directly to consumers.

But there’s a dark twist. Banks make huge profits from high interest rates. At 10%, their margins get crushed. So banks may fight back quietly — lower credit limits, fewer approvals, stricter rules. If credit tightens, spending slows, money circulation weakens, and the whole effect flips negative. So this policy has two futures: if credit stays open, it’s a powerful consumer boost; if banks pull back, it turns into a credit squeeze. The outcome won’t depend on the headline — it will depend on how this is managed behind the scenes. 👀💥