High interest rates on credit cards have become a growing concern in the financial sector. Recent policy discussions highlight the disparity between current rates—often ranging from 28% to 30%—and proposed caps of around 10%. Industry experts point out that such elevated rates place significant strain on consumers, raising questions about fairness in the lending market. The gap between current practices and proposed regulatory measures reflects broader debates about financial system equity. As the landscape evolves, monitoring regulatory momentum on consumer finance becomes increasingly relevant for understanding market dynamics and credit industry trends.