观点美国银行业

US banks need to cut their credit card rates

There are better alternatives to the Trump-Warren plan to cap interest costs for one year

The writer is a former chair of the US Federal Deposit Insurance Corporation and author of the upcoming book ‘How Not to Lose a Million Dollars’

The polar ice caps may be melting, but hell is surely freezing over at the prospect of Donald Trump and US senator Elizabeth Warren teaming up.

The veteran Democrat says the US president has asked her to work with him on legislation to cap credit card interest rates at an annualised 10 per cent for one year, a proposal he pushed strongly in Davos this week. The big banks are gearing up to fight this union of the populist left and right. Legislation will be an uphill battle, but at least the drama is casting a spotlight on historically high credit card rates and the burden they place on working families.

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