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总结
美国前总统特朗普提出对信用卡利率设定上限的主张，将美国居民高负债与高利息成本推到聚光灯下。报道指出，该提议被包装为“可负担性”政策，意在减轻借款人利息压力并争取选民支持；但银行与行业组织警告，利率封顶可能导致信用供给收缩、提高年费或转嫁成本，并增加次级借款人被拒贷风险。围绕是否需要联邦干预、如何设定上限及其对金融体系与家庭消费的影响，各方争论升温。
正文
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