Clay Travis

You won't get credit to poor, you know, to people that need it unless you have these rates.

Then why do we have a cap on it at all right now?

We do.

And people are getting credit cards.

That's my point.

There is a level that we're willing to accept.

And this is where you see it's a bit like the minimum wage discussion, too, where people will say, well, we shouldn't have any minimum wage.

Okay, but we do.

And so if we do have one, we're going to argue over what it should be.

And if we're going to have a cap, very simply put, if you're drawing a line, you get to argue over where the line should be drawn.

There are some people who will be, there should be no line.

Okay, that's a different argument, though.

Because if there is a line, we're going to argue over where that line is.

We're going to debate where that line should be.

And I think Trump raises that.

And it's a very much, like I said, the Trump gambit, because maybe it's at...

Again, I think I saw that 30.

I did a quick rock search.

36% is the statutory cap right now on credit cards.

It certainly is around 30 because I've seen 29% penalty APRs on credit cards that I have.