The US credit card market is experiencing a major turning point. According to reports, under a new round of financial policies, the average interest rate on US credit cards will be adjusted from the previous 20%-30% level to around 10%. What does this change mean? For ordinary American households, monthly bill expenses will significantly decrease by millions of dollars. Those consumption capacities that have been suppressed by high interest rates for a long time may gradually be released.

From a market perspective, adjustments in interest rate policies often create ripple effects. Lower borrowing costs may stimulate consumption, thereby influencing economic growth expectations. In the global capital markets, any wind or wave in US financial policy can impact the performance of other asset classes—including commodities, foreign exchange, and of course, cryptocurrencies.

Historically, whenever the US adjusts its financial policies, asset rotation phenomena occur. Investors reassess risk-reward ratios and seek new allocation opportunities. For traders paying attention to global economic trends, understanding the logic behind such policy changes is often key to seizing market opportunities.