专家警告说, 这可能会削减超过1亿美国人的信用. Politicians propose credit card fee controls and interest caps, which experts warn could cut access to credit for over 100 million Americans.

政策制定者提出对信用卡费用进行价格控制, 并限制逾期付款利率10%的上限. Politicians are proposing price controls on credit card fees and a 10% cap on late payment interest rates. 专家和批评人士警告说, 这些措施可能会反作用, Experts and critics warn these measures would backfire, potentially cutting access to credit for over 100 million Americans. 它们认为, 这种限制将迫使发行人减少信用额度或关闭账户, 破坏了帮助数百万支付意外费用的金融安全网. They argue that such restrictions would force issuers to reduce credit lines or close accounts, undermining the financial safety net that helps millions cover unexpected expenses.