📢 Stop Credit Card Predators
Americans face record credit card debt and sky-high interest rates while banks rake in billions. It’s time to cap credit card APRs at 10%, end predatory lending, and deliver real economic relief.
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Friends, across the United States, families are facing an affordability crisis that grows more urgent by the day. Prices have surged in recent years while wages have struggled to keep pace, forcing millions of people to rely on credit cards simply to cover groceries, rent, medical care, and other basic needs. What should be a short-term financial bridge has instead become a long-term trap—one powered by soaring interest rates and record-breaking profits for banks and financial institutions.
Today, Americans carry more than $1.2 trillion in credit card debt, and nearly 40 percent of households are using credit just to stay afloat. More than half of borrowers carry balances month to month, not because of reckless spending, but because survival itself has become expensive. At the same time, average credit card interest rates have climbed above 22 percent, nearly doubling over the past decade and reaching the highest levels ever recorded. This is not a system designed to help people recover. It is a system extracting wealth from working families already under strain.
Power to the people means refusing to accept vulture-level interest rates as normal. It means recognizing that access to fair, affordable credit is part of economic dignity. When lenders charge rates that generate profits far beyond other banking activities, the result is not innovation—it is inequality and predatory. Families fall deeper into debt, communities lose stability, and opportunity slips further out of reach.
That is why the 10 Percent Credit Card Interest Rate Cap Act of 2025 represents more than a policy proposal. It is a lifeline. By capping rates at 10 percent for five years, this legislation would provide real breathing room for households struggling to catch up on bills and rebuild financial security. Research shows such a cap could save Americans up to $100 billion each year, putting hundreds of dollars back into the pockets of everyday people instead of Wall Street balance sheets.
This moment calls for courage and clarity. Congress must choose whether our economy serves corporate profit alone or the people whose labor sustains it. Fair interest rates are not radical—they are reasonable, humane, and necessary for shared prosperity.
The path forward is simple: end usury, restore fairness, and put economic power back where it belongs—with the people.
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Take action now.
Click here to Tell Congress: Cap Credit Card Interest Rates at 10%
Call and/or send a message to your Members of Congress using the suggested talking points below.
📞 Call (202) 224-3121 today. Ask to speak with your Senators and Representative, and use the script below.
✉️ Act today: Send a private message to your Members of Congress using the same talking points.
Letter / Phone Script to Congress: Cap Credit Card Interest Rates
Hello, my name is [Your Name], and I’m a constituent from [City, State].
I’m calling because millions of working families are being crushed under a growing $1.2 trillion credit card debt crisis.
I urge [Senator/Representative Name] to support and advance the 10 Percent Credit Card Interest Rate Cap Act of 2025 (S. 381 / H.R. 1944), which could save Americans up to $100 billion each year and provide real relief to families struggling to make ends meet.
This bipartisan legislation is popular, practical, and urgently needed. Please stand with working families and take action to lower credit card interest rates now.
Thank you for your time and service.
Click here to read the coalition letter People Power United sent to Congress on behalf of our members advocating for the 10 Percent Credit Card Interest Rate Cap Act of 2025
Click here to learn more: AMERICAN FAMILIES’ Debt crisis by the numbers
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Agree totally! Just shared this post!❤️🩷🧡