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总结
多家媒体援引美国大型银行最新财报与管理层表态称，在高利率、通胀与生活成本压力下，美国消费者整体仍具韧性：信用卡、个人贷款等借贷与消费保持活跃，银行尚未感受到明显的“可负担性危机”，坏账与逾期压力未出现急剧恶化，从而带动利润增长。与此同时，特朗普主张将信用卡年利率上限压至约10%，并与华尔街银行在定价与监管边界上形成张力，银行业警告可能削弱风险定价、影响信贷供给并扰动市场预期。
正文
Banks Say U.S. Consumers Remain Resilient Despite Economic Pressures The Wall Street Journal Trump vs. Wall Street giants Axios US banking giants reap bigger profits as borrowers seek more loans Reuters JPMorgan and Citi Aren't Feeling the Affordability Crisis Bloomberg.com Big banks report soaring profits amid tensions with Trump over credit card interest rates The Detroit News
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