A major update has just emerged for millions of U.S. credit card users. President Donald Trump announced that starting January 20, 2026, the maximum interest rate on all credit cards will be capped at 10%.
Until now, banks and card issuers have charged 20–30% interest, keeping many middle-class households stuck in long-term debt. This move could disrupt the entire consumer credit system.
💥 Why this matters:
Americans pay over $100 billion every year in credit card interest. Cutting rates in half could redirect billions back into consumers’ pockets. Trump framed the move as a way to end banks’ hidden profit model, directly targeting one of their most reliable revenue streams.
🌍 Potential ripple effects:
• More disposable income → stronger consumer spending
• Increased pressure on banks → tighter lending standards likely
• Meaningful relief for the middle class after decades of high borrowing costs
This isn’t just a policy change — it represents a shift in power from Wall Street to Main Street. If enacted, the impact could spill across all risk assets, including stocks, real estate, and crypto.
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$VVV | $CLO |
$HYPER — all posting gains of 20%+.
#CreditCardReform #MacroShift #FinancialFreedom #CryptoMarkets #MainStreet