What if the President caps credit card interest at 10% for one full year in 2026? Could it be a game-changer for your debt payoff strategy—or a trap if you don’t act fast? In this video, we run real numbers on an $11,000 balance at the current 22.9% APR (minimum $365/mo). We compare: • Sticking to minimum payments • Paying $400/month during the 10% cap year • Adding a one-time tax return lump sum ($2,000 or $3,000 in month 3) Hypothetical Payoff Scenarios (at 10% APR, $400/mo regular payments): • No extra payment: • Takes 32 months to pay off • Total interest: $1,546 • Balance after 12 months (end of cap): ~$7,126 • +$2,000 tax return in Month 3: • Pays off in 26 months (saves 6 months) • Total interest: $1,069 (saves ~$477) • Balance after 12 months: ~$4,971 • +$3,000 tax return in Month 3: • Pays off in 23 months (saves 9 months) • Total interest: $877 (saves ~$669) • Balance after 12 months: ~$3,893 The Good: Massive interest savings during the low-rate window—more of every payment goes to principal. The Bad: After the cap ends, rates could jump back to 22.9%+ → any remaining balance gets expensive fast. Act NOW to minimize what’s left exposed. #CreditCardInterestCap #10PercentCap #DebtFree2026 #DebtSnowball #FinancialFreedom #PrepperFinance #BudgetingTips #HighInterestDebt #TaxReturnDebt #DebtCrush #MoneySaving2026 #FinancialPrepper