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Trump's 10% Credit Cap: Relief or Risky Crisis?

1/29/2026

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Story summary
  • U.S. President Donald Trump proposes a 10% cap on credit card interest rates, affecting airline loyalty programs and banks.
  • Industry experts warn the cap could provide short-term relief for consumers but risk a broader credit crisis.
  • Jamie Dimon, CEO of JPMorgan Chase, said the cap would remove credit access for 80% of Americans, harming households.
  • Some analysts expect banks to tighten credit for higher-risk borrowers, reducing spending on essentials.