When interest rate caps hit 10%, credit card markets could see a massive shake-up. Zero-APR secured cards like Chime Card—products that don't get much attention normally—might suddenly become the go-to option as traditional issuers tighten lending standards.

Here's the thing: once rates get capped, banks become way pickier about who qualifies for regular cards. That means swaths of consumers currently holding standard credit products could find themselves shut out. For those dealing with risky credit profiles or limited history, secured cards become the practical alternative.

The supply-demand dynamics here are wild. You'd be looking at explosive adoption once that regulatory shift happens. A niche product could turn mainstream overnight—and that's before we even talk about the downstream effects on card issuers' business models.