The dilemma of US credit card interest rate reform. A policy proposal to set the credit card interest rate cap at 10% was initially intended to protect consumers, but the banking industry would face compressed profit margins. In reality, such strict interest rate regulation policies often lead to unintended consequences: banks may tighten credit approval, increase other fees (annual fees, service charges, etc.) for consumers with lower credit scores, or even reduce the diversity of credit card products. Ultimately, those who suffer are the ordinary people with the most urgent financial needs and who most require credit support. This is a classic paradox in financial regulation—the good intentions of policies often fail to achieve the expected results.