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🚨 U.S. Financial Earthquake | Credit Card Interest Rate Cap Impacts Market 🇺🇸
👀 Watchlist:
$币安人生 | $4 | $RIVER
💣 Latest Policy
Trump announced that starting January 20, 2026, the credit card interest rate cap will be set at 10%, directly impacting the financial system. Currently, most U.S. credit card APRs range from 20–30%, with most repayments covering only interest, benefiting banks. A 10% cap will release consumer cash flow and rapidly shift consumer sentiment.
⚡ Market Impact
• U.S. Credit Card Debt: $1.3 Trillion
• Annual Interest Expenses: Over $100 Billion
• Even minor reductions could result in billions flowing back into consumers' hands
• Increased consumption → boosted confidence → risk assets may react first
⚠️ Potential Risks
Banks' profits rely heavily on high interest rates:
• May reduce credit limits
• Decrease approval rates
• Tighten loan policies
If triggered → consumption constrained → liquidity tightens → risk assets under pressure
📈 Two Possible Scenarios
1️⃣ Credit remains宽松 → consumption boom → risk assets rise
2️⃣ Credit tightening → implicit credit crunch → market volatility increases
🔎 Trading Tips
The key lies in policy implementation and market reaction. Closely monitor price and volume changes of 4 RIVER to seize potential trading opportunities.
#币安人生 #4 #RIVER