{"id":525813,"date":"2026-03-19T14:30:00","date_gmt":"2026-03-19T18:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=525813"},"modified":"2026-03-19T13:08:32","modified_gmt":"2026-03-19T17:08:32","slug":"as-credit-card-balances-hit-record-highs-is-a-rate-cap-the-answer","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/as-credit-card-balances-hit-record-highs-is-a-rate-cap-the-answer\/","title":{"rendered":"As Credit Card Balances Hit Record Highs, Is a Rate Cap the Answer?"},"content":{"rendered":"\n<p>A record 111 million U.S. consumers were carrying a balance on their credit cards at the end of last year\u2014two million more than at the end of 2024. Together, these cardholders now owe more than $1 trillion to banks.<\/p>\n\n\n\n<p>Based on average outstanding balances, a typical cardholder making only the minimum payment would pay about $251 per month, or more than $3,000 per year. Meanwhile, interest would continue accruing on roughly 98% of the remaining balance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-seeking-a-solution\">Seeking a Solution<\/h2>\n\n\n\n<p>These <a href=\"https:\/\/tcf.org\/content\/report\/interest-nation-the-state-of-americas-credit-card-debt-crisis\/\" target=\"_blank\" rel=\"noreferrer noopener\">figures come from researchers<\/a> at the Century Foundation, a progressive think tank, and the nonprofit Protect Borrowers. While the groups cite these numbers to argue for lower credit card interest rates, the broader picture is more complex.<\/p>\n\n\n\n<p>The Century Foundation supports a proposed <a href=\"https:\/\/www.paymentsjournal.com\/capping-credit-card-interest-rates-at-10-would-disrupt-the-industry\/\" target=\"_blank\" rel=\"noreferrer noopener\">10% annual interest rate cap<\/a> backed by President Trump and some Democrats, including <a href=\"https:\/\/www.banking.senate.gov\/newsroom\/minority\/warren-in-fox-news-trumps-broken-promise-on-credit-cards\" target=\"_blank\" rel=\"noreferrer noopener\">Massachusetts Senator Elizabeth Warren<\/a>. However, industry experts warn that capping rates at such a low level could significantly reduce access to credit cards for many households.<\/p>\n\n\n\n<p>For one thing, rates have already begun to edge down, albeit slightly. Borrowers paid an average annual percentage rate of 22.3% in Q4 2025, according to the Federal Reserve, down from 22.8% in 2024.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-consequences-of-capping-rates\">Consequences of Capping Rates<\/h2>\n\n\n\n<p>The Century Foundation estimates that a 10% cap would have saved consumers $134.5 billion since Trump took office. Critics counter that such a cap would likely have restricted access to credit for many borrowers, rather than simply lowering their costs.<\/p>\n\n\n\n<p>Separate data from Javelin Strategy &amp; Research suggests that the cost of lending was about 13% in 2025. At a 10% cap, lenders would likely scale back lending to all but the most creditworthy borrowers\u2014potentially those with FICO scores near 800 or higher. In practice, that could limit access to credit to roughly 200 million Americans, or about 80 million households.<\/p>\n\n\n\n<p>\u201cThis research overlooks the fact that credit cards are helping many people affected by persistent inflation, rising rates, and an uncertain economy,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/brian-riley\" target=\"_blank\" rel=\"noreferrer noopener\">Brian Riley<\/a>, Director of Credit at Javelin. \u201cWithout access to credit cards, consumers will not have access to short-term borrowing tools that keep them afloat when the budget runs tight, the car starts to sputter, or an unexpected emergency arises.\u201d<\/p>\n\n\n\n<p>\u201cDon\u2019t blame credit card issuers, who bear the risk for the floundering economy,\u201d he said. \u201cLook upstream at inflation, unemployment, and household budgets in disarray. That\u2019s the real issue.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A record 111 million U.S. consumers were carrying a balance on their credit cards at the end of last year\u2014two million more than at the end of 2024. Together, these cardholders now owe more than $1 trillion to banks. Based on average outstanding balances, a typical cardholder making only the minimum payment would pay about [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":481611,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"64830"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259],"tags":[62022,1110,65932,1298,65931],"class_list":["post-525813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","tag-account-balance","tag-credit-card","tag-credit-card-balance","tag-interest-rates","tag-rate-cap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is a Credit Card Rate Cap the Answer to Record Balances? - PaymentsJournal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/as-credit-card-balances-hit-record-highs-is-a-rate-cap-the-answer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"As Credit Card Balances Hit Record Highs, Is a Rate Cap the Answer?\" \/>\n<meta property=\"og:description\" content=\"A record 111 million U.S. consumers were carrying a balance on their credit cards at the end of last year\u2014two million more than at the end of 2024. Together, these cardholders now owe more than $1 trillion to banks. 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