小型银行/信用合作社提供比大型发卡机构更好的信用卡条款和利率，平均持卡人每年可多赚 500 美元。 Small banks/credit unions offer better credit card terms and interest rates than large card issuers, leading to up to $500 more annually for the average cardholder.

消费者金融保护局的一份新报告发现，与大型发卡机构相比，小型银行和信用合作社提供更好的信用卡条款和利率。 A new Consumer Financial Protection Bureau report has found that small banks and credit unions offer better credit card terms and interest rates compared to large issuers. 大型发卡机构向客户收取的利率比小型贷方和信用合作社的利率高出 8 至 10 个百分点。 The large card issuers charged customers interest rates that were eight to 10 percentage points higher than the rates from smaller lenders and credit unions. 对于普通持卡人来说，这种差异每年可能会多出 400 至 500 美元。 This difference can amount to $400 to $500 more annually for the average cardholder.