Wednesday, January 21, 2026

TACO Don Whiffs On Credit Card Rates - DEMENTIA????

President Donald Trump called for credit card companies to cap interest rates at 10%, roughly half the industry average, effective Jan. 20. That date has arrived, and credit card rates have hardly budged. What happened? The credit card industry did not follow through. Several banking and consumer experts said they did not know of any major card company that had complied with Trump's directive. "I haven't seen any press releases," said Stephen Kates, a financial analyst at Bankrate. "Not one whisper." "For anybody who's looking at their billing statement, waiting for it to go from 20 to 10, I wouldn't hold your breath," Kates said.

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ANOTHER FAILURE FOR PEDO DONNIE

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Another view ...

Trump's 10% credit card cap deadline is here. Will card companies comply?
www.cbsnews.com

... President Trump had set Jan. 20 as a deadline for credit card companies to lower their interest rates to 10% for one year. Now that the date has arrived, most banks and card issuers have largely kept their rates unchanged, while also pushing back against an idea that they say lacks key policy details necessary for them to comply.

Mr. Trump announced the cap on Jan. 9, giving banks and issuers just 11 days to meet his demand. In his Truth Social post announcing the proposal, he said he wanted to ensure that Americans wouldn't get "'ripped off' by Credit Card Companies that are charging Interest Rates of 20 to 30%, and even more, which festered unimpeded during the Sleepy Joe Biden Administration."

The interest rate cap has drawn bipartisan support from some lawmakers, including Sen. Elizabeth Warren, a Democrat from Massachusetts, and Sen. Josh Hawley, a Republican from Missouri. If enacted, the proposal could save consumers $100 billion per year in reduced interest payments, but the banking industry warns that it could backfire because issuers would be forced to reduce credit access to millions of consumers. ...


#1 | Posted by LampLighter at 2026-01-21 01:35 AM

@#1 ... but the banking industry warns that it could backfire because issuers would be forced to reduce credit access to millions of consumers. ...

So, the banks are punishing all credit holders because of the actions of a few?

Maybe, a better approach might be to charge an interest rate on the creddit card based upon a person's history of paying their credit card debt?

Stated differently, why should someone with a 700+ credit rating have to pay the same interest rate on a credit card as a person with a credit rating of, say, 400?

#2 | Posted by LampLighter at 2026-01-21 01:39 AM

In his Truth Social post announcing the proposal

Does that have some kind of legal authority? A proposal is, after all, just a suggestion.

#3 | Posted by REDIAL at 2026-01-21 01:52 AM

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