美联储的利率工具以多种方式影响着经济，包括鼓励或限制信用卡借贷。Boston Fed经济学家针对这一关系的最新研究显示了显著影响。
研究发现，美联储的利率目标对信用卡利率设定具有重要影响力。通过分析2016年至2024年的数据，Boston Fed发现信用卡年利率每上升1个百分点，次月的信用卡支出就会下降8.7%。
这种效应对信用评分较低的借款人影响最为强烈，这些借款人可能更难承担利息支出，且可能已经背负了大量债务。Boston Fed指出："相比之下，高信用评分账户的支出在利率上升时并不会显著下降。"
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