美国银行、花旗银行可能推出年利率10%的信用卡。
Bank Of America, Citigroup May Launch Credit Cards With 10% Rate

原始链接: https://www.zerohedge.com/markets/bank-america-citigroup-may-may-launch-credit-cards-10-rate

在特朗普总统呼吁将信用卡利率上限设定为10%后,美国银行和花旗银行正在考虑选项以平息政府。 尽管银行高管警告统一的上限可能会减少信贷额度,但他们正在研究推出利率为10%的信用卡,可能针对已经符合低利率资格的消费者。 此举似乎是对特朗普施压的回应,即使这对大多数美国高年利率信用卡持有者的影响微乎其微。 这些银行正在寻求明确特朗普是否会通过国会推动立法。 美国银行的首席执行官承认,上限可能会减缓支出,但确认正在与政府进行持续讨论以寻找解决方案,表明尽管最初存在异议,但愿意合作。 这种情况凸显了特朗普非常规的谈判策略以及银行应对其要求的尝试。

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原文

Once again Trump's brash negotiating style appears to be paying off. 

Two weeks after Trump shocked the world by demanding lenders cap credit card interest rates at 10% for one year, Bank of America and Citigroup are exploring options to do just that in an attempt to placate the president. 

Bloomberg reports that both banks are mulling offering cards with a 10% rate cap as one potential solution. 

Earlier this week, Trump said he would ask Congress to implement the proposal, giving the financial firms more clarity about what exact path he’s pursuing. Bank executives have repeatedly decried the uniform cap, saying it’ll cause lenders to have to pull credit lines for consumers. 

The alternative proposal is to offer credit cards that would have a 10% rate specifically targeted to those consumers... who would already be eligible for the lowest rates around. And while it would do nothing to alleviate the near record high APRs for most Americans, it would let Trump declare that he managed to get the banks to yield - even if it was only a nominal success.

As Bloomberg notes, some executives have publicly said they agree with Trump’s focus on affordability, and the latest options they’re mulling are one way to potentially work with the administration in its effort to lower costs for consumers.

Many issuers including Bank of America and Citigroup already offer introductory rates for consumers as low as 0% for a period of time.

On Thursday, Bank of America Chief Executive Officer Brian Moynihan said a 10% cap would slow consumer spending, but noted that the bank has been talking to the administration about it.

“We’re working hard,” Moynihan said Thursday on a Bloomberg TV interview. “We’re trying to come up with solutions.”

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