Are there laws capping credit card interest rates?

Fewer than half of all U.S. states bother to cap credit card interest rates, and few credit card issuers are based in these states. Most major credit card issuers are based in states without usury laws and without interest rate caps on credit cards. Banks and credit card issuers based in these states can charge any interest rate they wish -- as long as the rate is listed in the cardholder agreement and the borrower agrees.

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