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总结
多家媒体关注美国政界推动将信用卡年化利率上限设为10%的提议，相关讨论与特朗普“反高利贷”主张相呼应。报道指出，银行与发卡机构担忧利率封顶将压缩风险定价空间，导致高风险客户被拒贷、信用额度收紧或年费等替代收费上升，并可能冲击依赖信用卡收入与联名卡生态的行业。部分机构还提醒，若经济放缓叠加政策变化，坏账与盈利波动风险可能加大，监管与市场博弈将持续。
正文
Why Banks Are So Worried About a 10% Credit Card Rate Cap The New York Times Column | You don't need Trump to cap your credit card interest. Just use this script. The Washington Post Donald Trump's crusade against usury reaches Wall Street The Economist Citi Warns of Potential Economic Slowdown From Trump's Credit Card Cap Bloomberg.com Delta Air CEO says Trump credit card cap will upend industry The Detroit News
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