美国政府可能会限制数百万人的信用. New analysis warns capping credit rates could limit access for millions of Americans.

美国的信用卡利率将会降低,特别是那些收入较低或信用评分不佳的人. A new analysis warns that capping credit card interest rates at 10% could reduce access to credit for over 100 million Americans, particularly those with lower incomes or poor credit scores. 这项研究表明, 如此的上限会阻止贷款人提供信贷, 可能迫使消费者选择更危险的替代品, 如支付日贷款和利率高得多. The study suggests that such caps would discourage lenders from offering credit, potentially forcing consumers toward riskier alternatives like payday loans with much higher interest rates. 专家警告说,尽管经济性问题很重要,但这些限制可能会损害经济活动和金融稳定. Experts caution that while affordability is a concern, these limits could harm economic activity and financial stability.