Agree both with Kb and Hinfarm here. Kinda back to KB though..... With Trump capping rates of credit card debt at 10%, the ones carrying the 20+% interest month to month are generally ones that are "financially clueless" . I am thinking they will spend even more instead  of getting out of CC debt. Mentality of "Hey, our intrest just dropped in half, we can afford to "card" more now."  Sad but true.
Like anything, lower interest.....more spending....higher inflation ?