美国航空业主要游说团体负责人近日指出，一项拟将信用卡年利率限制在10%的法案若获通过，恐对航空业产生深远影响。这项提案旨在保护消费者免受高息信贷困扰，但业内人士担忧其将大幅削减航空公司通过联名信用卡计划获得的收入来源。
目前各大航空公司与金融机构合作推出的联名信用卡普遍提供高额里程奖励，这些项目的盈利模式高度依赖信用卡公司向持卡人收取的利息费用。若利率上限法规落地，发卡机构可能被迫削减向航空公司支付的合作分成，甚至重新评估奖励计划可行性。
行业分析师表示，美国航空、达美航空、西南航空及联合大陆航空等主要航企的辅营收入中，信用卡合作伙伴贡献占比显著。有数据显示，部分大型航企每年通过此类合作可获得数十亿美元收入，这些资金常被用于机队更新、航线扩张等战略投资。
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