Credit card interest rates have become a serious problem in today's financial system. When rates stay this elevated, it impacts everything—from consumer spending patterns to broader market dynamics. High borrowing costs squeeze household budgets and force many to reconsider their investment strategies, including crypto allocations.

This isn't just about credit cards either. The ripple effects flow through the entire economy. Businesses face higher operational costs, consumer debt balloons, and overall economic growth slows. For traders and investors, it shapes the backdrop of where capital flows and how risk appetite evolves.

The discussion around managing these rates touches on fundamental questions about monetary policy and financial health. As we see economic pressures mounting, conversations about interest rate sustainability become increasingly important for understanding market direction.