#美国贸易赤字状况 The US credit card interest rate policy has taken a major turn—starting from January 20, the nationwide credit card interest rate has officially been capped at a hard limit of 10%. This means the era of the previously common 20%-30% high interest rates will soon be history.

Millions of American families' financial pressures may be significantly alleviated. Consumers who have long been suppressed by high interest rates will see a substantial reduction in their monthly repayment burdens. For low-income groups struggling on the edge of default due to high interest, the money saved could directly improve their quality of life—spending on food, gasoline, and education will all loosen.

On the other hand, financial institutions face a compression of the interest margin in credit card business. While such policy interventions impact traditional banks' profit models, from the perspective of long-term financial market health, excessive high interest rates indeed reinforce systemic risks.

The deeper significance lies in this adjustment reshaping the ecosystem of consumer credit. More reasonable interest rate levels could stimulate consumption vitality, reduce default rates, and thereby enhance the stability of the underlying economy. For cryptocurrency investors, this structural change in the traditional financial system also signals that the economic landscape is adjusting—macro liquidity environments and asset allocation logic may evolve accordingly.

This is a shift in financial policy and a re-examination of the traditional lending system. Global investors are watching how this change will impact the US consumer market and overall economic outlook.