#  @Tai_Chen_Hsiang Ivan Tai Ivan Tai posts on X about $upst, card, we will, nasdaq the most. They currently have [--] followers and [--] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/twitter::413383162/interactions)  - [--] Week [-----] +304% - [--] Month [-----] +220% ### Mentions: [--] [#](/creator/twitter::413383162/posts_active)  ### Followers: [--] [#](/creator/twitter::413383162/followers)  - [--] Week [--] +6.50% - [--] Month [--] +4.80% ### CreatorRank: [---------] [#](/creator/twitter::413383162/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [exchanges](/list/exchanges) [financial services](/list/financial-services) [technology brands](/list/technology-brands) **Social topic influence** [$upst](/topic/$upst) #50, [card](/topic/card), [we will](/topic/we-will), [nasdaq](/topic/nasdaq) #907, [data](/topic/data), [short interest](/topic/short-interest), [matter](/topic/matter), [liquidity](/topic/liquidity), [what to](/topic/what-to), [store](/topic/store) **Top accounts mentioned or mentioned by** [@upstart](/creator/undefined) [@davegirouard](/creator/undefined) [@henryinvests](/creator/undefined) [@paulxgu](/creator/undefined) [@realdonaldtrump](/creator/undefined) [@ericjackson](/creator/undefined) [@alejand94697443](/creator/undefined) [@culturalsamura1](/creator/undefined) [@boon2168](/creator/undefined) [@macroguru](/creator/undefined) [@macneillpatrick](/creator/undefined) [@mythosventures](/creator/undefined) [@realdonaldtrumps](/creator/undefined) [@amandaorson](/creator/undefined) [@bowtiedbull](/creator/undefined) [@sytaylor](/creator/undefined) [@drkevorkian666](/creator/undefined) [@stoicgilgamesh](/creator/undefined) [@piggysensei2](/creator/undefined) [@ghtheprophet](/creator/undefined) **Top assets mentioned** [Upstart Holdings, Inc. (UPST)](/topic/$upst) [Alphabet Inc Class A (GOOGL)](/topic/$googl) ### Top Social Posts Top posts by engagements in the last [--] hours "@Alejand94697443 @ericjackson tag the wrong guy" [X Link](https://x.com/Tai_Chen_Hsiang/status/1967929420846600381) 2025-09-16T12:31Z [--] followers, [--] engagements "@culturalsamura1 @ericjackson Yes you are the No.65 asking this question 😂" [X Link](https://x.com/Tai_Chen_Hsiang/status/1971096292303724939) 2025-09-25T06:15Z [--] followers, [--] engagements "@davegirouard $UPST Stay" [X Link](https://x.com/Tai_Chen_Hsiang/status/1996619952015773919) 2025-12-04T16:37Z [--] followers, [---] engagements "@Upstart $UPST Let's rock from 2026" [X Link](https://x.com/Tai_Chen_Hsiang/status/1998628840416096316) 2025-12-10T05:40Z [--] followers, [----] engagements "Waiting for really long time not hearing any good news from @Upstart. Really Really long. I mean ANY. Nothing. No matter UMI fake news from analysis loans on the BS FED interest rate cut trust pilots reviews went down default rate and liquidity or short interest extremely high for years except CTO bought 10K shares. Any positive news https://twitter.com/i/web/status/2006984231659196905 https://twitter.com/i/web/status/2006984231659196905" [X Link](https://x.com/Tai_Chen_Hsiang/status/2006984231659196905) 2026-01-02T07:01Z [--] followers, [--] engagements "Waiting for really long time not hearing any good news from @Upstart. Really Really long. I mean ANY. Nothing. No matter UMI fake news from analysis loans on the BS FED interest rate cut trust pilots reviews went down default rate and liquidity or short interest extremely high for years except CTO bought 100K shares and less insiders selling stocks. Thank God. Any other positive news https://twitter.com/i/web/status/2007000826360070500 https://twitter.com/i/web/status/2007000826360070500" [X Link](https://x.com/Tai_Chen_Hsiang/status/2007000826360070500) 2026-01-02T08:07Z [--] followers, [---] engagements "@davegirouard Last year it was tariffs. This year its credit card interest rates. With a president like this who even needs competitors or enemies" [X Link](https://x.com/Tai_Chen_Hsiang/status/2009843337365524982) 2026-01-10T04:22Z [--] followers, [---] engagements "$UPST @Upstart Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL" [X Link](https://x.com/anyuser/status/2009935706551136391) 2026-01-10T10:29Z [--] followers, [---] engagements "@boon2168 @macro_guru @davegirouard 🤣" [X Link](https://x.com/Tai_Chen_Hsiang/status/2017839067887767787) 2026-02-01T05:54Z [--] followers, [--] engagements "Institutional Ownership to ATH 75M shares" [X Link](https://x.com/Tai_Chen_Hsiang/status/2018526950827139146) 2026-02-03T03:28Z [--] followers, [--] engagements "2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard What a disaster. What to prove to be champions" [X Link](https://x.com/anyuser/status/2021963334581727606) 2026-02-12T15:03Z [--] followers, [---] engagements "$UPST Institutional Ownership to ATH 75M shares" [X Link](https://x.com/anyuser/status/2018533301922025545) 2026-02-03T03:53Z [--] followers, [----] engagements "@HenryInvests Did JP Morgan upgrade Target price to $84" [X Link](https://x.com/Tai_Chen_Hsiang/status/2021582206771028252) 2026-02-11T13:48Z [--] followers, [---] engagements "@HenryInvests [--] consecutive earnings reports have ended in brutal selloffs" [X Link](https://x.com/Tai_Chen_Hsiang/status/2021630130033242138) 2026-02-11T16:59Z [--] followers, [---] engagements "@HenryInvests 2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard" [X Link](https://x.com/Tai_Chen_Hsiang/status/2021964554964721886) 2026-02-12T15:08Z [--] followers, [---] engagements "$UPST @Upstart I honestly dont know what else @upstart have in store for [----]. I dont know if youll be on fire or not. I truly have no idea now. Just stay humble and show us something surprising that shuts us up. @paulxgu @davegirouard" [X Link](https://x.com/anyuser/status/2021967851998130469) 2026-02-12T15:21Z [--] followers, [----] engagements "$UPST @Upstart I honestly dont know what else @upstart have in store for [----]. I dont know if youll be on fire or not. I truly have no idea now. Just stay humble and show us something surprising that shuts us up. @paulxgu @davegirouard" [X Link](https://x.com/anyuser/status/2021967851998130469) 2026-02-12T15:21Z [--] followers, [----] engagements "2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard What a disaster. What to prove to be champions" [X Link](https://x.com/anyuser/status/2021963334581727606) 2026-02-12T15:03Z [--] followers, [---] engagements "🚨 Upstart $UPST December UMI drops to [----] 😱" [X Link](https://x.com/anyuser/status/2018809762927058986) 2026-02-03T22:12Z [----] followers, [----] engagements "$UPST Institutional Ownership to ATH 75M shares" [X Link](https://x.com/anyuser/status/2018533301922025545) 2026-02-03T03:53Z [--] followers, [----] engagements "Upstart $UPST Trustpilot Reviews by Month inspired by @MacNeillPatrick 🤌" [X Link](https://x.com/anyuser/status/2017232524586414419) 2026-01-30T13:44Z [----] followers, [----] engagements "🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m" [X Link](https://x.com/anyuser/status/2017345071121600659) 2026-01-30T21:12Z [----] followers, [----] engagements "UPSTART'S YALE MAFIA 🧵👇 Three early Yale alumni spearheaded $UPST's AI endeavours. Two left one stayed. All three now VC invest (via @MythosVentures) in pro-social AGI as mission-focused as ever" [X Link](https://x.com/anyuser/status/2016468878373589117) 2026-01-28T11:10Z [---] followers, [----] engagements "Free markets would lower credit card prices if they competed on price President Trump recently riled markets by proposing to cap credit card interest rates at 10%. Businesspeople and economists widely responded by pointing out the failings of price controls and rallying http://x.com/i/article/2015579333163945984 http://x.com/i/article/2015579333163945984" [X Link](https://x.com/anyuser/status/2015793814074720614) 2026-01-26T14:27Z [----] followers, 12.4K engagements "RT @HenryInvests: #UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q3" [X Link](https://x.com/anyuser/status/2014875450309497158) 2026-01-24T01:38Z [--] followers, [--] engagements "#UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q325: [---] +45.4% Q425: [---] (1.3)% Q126: [---] 5.2% Will $UPST 🐇🎩 Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean https://t.co/R3UR5J6VNu Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we" [X Link](https://x.com/anyuser/status/2014691476886667541) 2026-01-23T13:27Z [----] followers, [----] engagements "Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean taking the 28D MA (UTPI) for each day in the quarter and dividing it by the UTPI value on the first day of the quarter (Jan 1). This allows the chart to highlight relative strength and momentum over the quarter by removing differences in absolute UTPI levels (2026 UTPI is higher than 2025). On the chart below actual Q125" [X Link](https://x.com/anyuser/status/2012269733735698846) 2026-01-16T21:04Z [----] followers, 12.2K engagements "Revised Nov UMI. Still waiting for Dec" [X Link](https://x.com/anyuser/status/2013975116074700839) 2026-01-21T14:01Z [--] followers, [---] engagements "UMI drops to 1.48" [X Link](https://x.com/anyuser/status/2013728981208498381) 2026-01-20T21:42Z [--] followers, [----] engagements "it's a very rudimental heuristic using Google Search Trends data but general traffic for personal auto and home loans has been trending downwards over the past [--] months. in the mean time $UPST loans are trending upwards and if anything (according the @HenryInvests $UTPI) setting fresh records when it comes to 'filled inquiries'. something is cooking here: seemingly above market trends in both rate inquiries and originations. https://twitter.com/i/web/status/2011130359732183518 https://twitter.com/i/web/status/2011130359732183518" [X Link](https://x.com/anyuser/status/2011130359732183518) 2026-01-13T17:36Z [---] followers, [----] engagements "TRUMP NOW ON THE 10% CREDIT CARD RATE CAP: "Credit card companies will be in violation of the law if they do not comply with the interest rate cap by January [--]. They are abusing people and I am not going to let it happen." My question is how is he going to implement this" [X Link](https://x.com/anyuser/status/2010548510987346282) 2026-01-12T03:04Z 324.7K followers, 254K engagements "I think President @realDonaldTrumps goal of reducing credit card interest rates is a worthy and important one. My concern about capping rates at 10% is that doing so will inevitably cause millions of Americans to have their cards cancelled as credit card companies lose the ability to adequately price subprime credit risk. Consumers denied credit cards will be forced to turn to loan sharks whose rates and terms will be vastly worse for borrowers. While 20% or more is a high rate loan sharks can charge multiples of these rates and the cost of default can be physical harm or worse. I have no" [X Link](https://x.com/anyuser/status/2009968946372329972) 2026-01-10T12:41Z 2M followers, 1.9M engagements "RT @amandaorson: Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points dont survive. I sp" [X Link](https://x.com/anyuser/status/2010214265270231210) 2026-01-11T04:56Z [--] followers, [----] engagements "Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points dont survive. I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards lounges and credits pencil out. Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge [--] to 30% many consumers revolve balances and the system feels punitive. But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors rewards rely on behavioral inefficiency" [X Link](https://x.com/anyuser/status/2010035644127670660) 2026-01-10T17:06Z 25.5K followers, 5.7M engagements "🚨 BREAKING" [X Link](https://x.com/anyuser/status/2009795490859405617) 2026-01-10T01:12Z 1.5M followers, 16.7M engagements "I strongly suspect the whole 10% cap wont happen given it would likely cause a massive recession. If it did next question is whether it applies to all unsecured lending. That seems even far more unlikely given very ugly repercussions for our economy. if not the card cap could be a massive boost to unsecured lending as an alternative way to borrow. if so it would significantly limit who we could lend to. i put that at far less than 1% likelihood. Now were talking Great Recession. Regardless i dont see any reason it would impact our funding. in fact wed likely be swimming in it" [X Link](https://x.com/anyuser/status/2010066990866833517) 2026-01-10T19:11Z 22.3K followers, 33.4K engagements "Best way to lower credit card rates would be to ban rewards. They are a regressive tax that trick consumers into spending more - thinking they'll pay off their card each month" [X Link](https://x.com/anyuser/status/2010038723761844503) 2026-01-10T17:19Z 22.3K followers, 10.3K engagements "Im for free markets and ultimately think literally capping credit card rates at 10% is a bad idea. However I do think its right to consider seriously if something about todays card market couldnt work better for borrowers. In theory as many are pointing out interest rates are competitively set as a function of default risk and if you cap rates lower less people get access to credit. Under this model taking card rates which are often in the 20s and capping them at [--] gets you credit Armageddon for ordinary Americans. In practice though the credit card market is a uniquely poor representative" [X Link](https://x.com/anyuser/status/2009999752046481621) 2026-01-10T14:44Z [----] followers, 16.5K engagements "$UPST @Upstart Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL" [X Link](https://x.com/anyuser/status/2009935706551136391) 2026-01-10T10:29Z [--] followers, [---] engagements "Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long" [X Link](https://x.com/anyuser/status/2009824425248706684) 2026-01-10T03:07Z 79.4K followers, 421K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@Tai_Chen_Hsiang Ivan Tai
Ivan Tai posts on X about $upst, card, we will, nasdaq the most. They currently have [--] followers and [--] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
- [--] Week [-----] +304%
- [--] Month [-----] +220%
Mentions: [--] #
Followers: [--] #
- [--] Week [--] +6.50%
- [--] Month [--] +4.80%
CreatorRank: [---------] #
Social Influence
Social category influence finance stocks exchanges financial services technology brands
Social topic influence $upst #50, card, we will, nasdaq #907, data, short interest, matter, liquidity, what to, store
Top accounts mentioned or mentioned by @upstart @davegirouard @henryinvests @paulxgu @realdonaldtrump @ericjackson @alejand94697443 @culturalsamura1 @boon2168 @macroguru @macneillpatrick @mythosventures @realdonaldtrumps @amandaorson @bowtiedbull @sytaylor @drkevorkian666 @stoicgilgamesh @piggysensei2 @ghtheprophet
Top assets mentioned Upstart Holdings, Inc. (UPST) Alphabet Inc Class A (GOOGL)
Top Social Posts
Top posts by engagements in the last [--] hours
"@Alejand94697443 @ericjackson tag the wrong guy"
X Link 2025-09-16T12:31Z [--] followers, [--] engagements
"@culturalsamura1 @ericjackson Yes you are the No.65 asking this question 😂"
X Link 2025-09-25T06:15Z [--] followers, [--] engagements
"@davegirouard $UPST Stay"
X Link 2025-12-04T16:37Z [--] followers, [---] engagements
"@Upstart $UPST Let's rock from 2026"
X Link 2025-12-10T05:40Z [--] followers, [----] engagements
"Waiting for really long time not hearing any good news from @Upstart. Really Really long. I mean ANY. Nothing. No matter UMI fake news from analysis loans on the BS FED interest rate cut trust pilots reviews went down default rate and liquidity or short interest extremely high for years except CTO bought 10K shares. Any positive news https://twitter.com/i/web/status/2006984231659196905 https://twitter.com/i/web/status/2006984231659196905"
X Link 2026-01-02T07:01Z [--] followers, [--] engagements
"Waiting for really long time not hearing any good news from @Upstart. Really Really long. I mean ANY. Nothing. No matter UMI fake news from analysis loans on the BS FED interest rate cut trust pilots reviews went down default rate and liquidity or short interest extremely high for years except CTO bought 100K shares and less insiders selling stocks. Thank God. Any other positive news https://twitter.com/i/web/status/2007000826360070500 https://twitter.com/i/web/status/2007000826360070500"
X Link 2026-01-02T08:07Z [--] followers, [---] engagements
"@davegirouard Last year it was tariffs. This year its credit card interest rates. With a president like this who even needs competitors or enemies"
X Link 2026-01-10T04:22Z [--] followers, [---] engagements
"$UPST @Upstart Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL"
X Link 2026-01-10T10:29Z [--] followers, [---] engagements
"@boon2168 @macro_guru @davegirouard 🤣"
X Link 2026-02-01T05:54Z [--] followers, [--] engagements
"Institutional Ownership to ATH 75M shares"
X Link 2026-02-03T03:28Z [--] followers, [--] engagements
"2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard What a disaster. What to prove to be champions"
X Link 2026-02-12T15:03Z [--] followers, [---] engagements
"$UPST Institutional Ownership to ATH 75M shares"
X Link 2026-02-03T03:53Z [--] followers, [----] engagements
"@HenryInvests Did JP Morgan upgrade Target price to $84"
X Link 2026-02-11T13:48Z [--] followers, [---] engagements
"@HenryInvests [--] consecutive earnings reports have ended in brutal selloffs"
X Link 2026-02-11T16:59Z [--] followers, [---] engagements
"@HenryInvests 2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard"
X Link 2026-02-12T15:08Z [--] followers, [---] engagements
"$UPST @Upstart I honestly dont know what else @upstart have in store for [----]. I dont know if youll be on fire or not. I truly have no idea now. Just stay humble and show us something surprising that shuts us up. @paulxgu @davegirouard"
X Link 2026-02-12T15:21Z [--] followers, [----] engagements
"$UPST @Upstart I honestly dont know what else @upstart have in store for [----]. I dont know if youll be on fire or not. I truly have no idea now. Just stay humble and show us something surprising that shuts us up. @paulxgu @davegirouard"
X Link 2026-02-12T15:21Z [--] followers, [----] engagements
"2025/4/4 Nasdaq [-----] $UPST [----] 2026/02/12 Nasdaq [-----] $UPST [----] @upstart @paulxgu @davegirouard What a disaster. What to prove to be champions"
X Link 2026-02-12T15:03Z [--] followers, [---] engagements
"🚨 Upstart $UPST December UMI drops to [----] 😱"
X Link 2026-02-03T22:12Z [----] followers, [----] engagements
"$UPST Institutional Ownership to ATH 75M shares"
X Link 2026-02-03T03:53Z [--] followers, [----] engagements
"Upstart $UPST Trustpilot Reviews by Month inspired by @MacNeillPatrick 🤌"
X Link 2026-01-30T13:44Z [----] followers, [----] engagements
"🚨 Upstart $UPST December UMI drops to [----] down 3.4% m/m"
X Link 2026-01-30T21:12Z [----] followers, [----] engagements
"UPSTART'S YALE MAFIA 🧵👇 Three early Yale alumni spearheaded $UPST's AI endeavours. Two left one stayed. All three now VC invest (via @MythosVentures) in pro-social AGI as mission-focused as ever"
X Link 2026-01-28T11:10Z [---] followers, [----] engagements
"Free markets would lower credit card prices if they competed on price President Trump recently riled markets by proposing to cap credit card interest rates at 10%. Businesspeople and economists widely responded by pointing out the failings of price controls and rallying http://x.com/i/article/2015579333163945984 http://x.com/i/article/2015579333163945984"
X Link 2026-01-26T14:27Z [----] followers, 12.4K engagements
"RT @HenryInvests: #UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q3"
X Link 2026-01-24T01:38Z [--] followers, [--] engagements
"#UTPI is impressively bucking 🦌Q1 seasonality (for now) 🤔 Review counts of first [--] days: Q125: [---] Q225: [---] +31.8% Q325: [---] +45.4% Q425: [---] (1.3)% Q126: [---] 5.2% Will $UPST 🐇🎩 Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean https://t.co/R3UR5J6VNu Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we"
X Link 2026-01-23T13:27Z [----] followers, [----] engagements
"Mini #UTPI Update 1/16/26 Hey everyone I wanted to write a small UTPI update on an interesting trend I found as we are about a month away from earnings. What you see in the chart below is normalized UTPI for both Q125 and the preliminary data for Q126. By 'normalized' I mean taking the 28D MA (UTPI) for each day in the quarter and dividing it by the UTPI value on the first day of the quarter (Jan 1). This allows the chart to highlight relative strength and momentum over the quarter by removing differences in absolute UTPI levels (2026 UTPI is higher than 2025). On the chart below actual Q125"
X Link 2026-01-16T21:04Z [----] followers, 12.2K engagements
"Revised Nov UMI. Still waiting for Dec"
X Link 2026-01-21T14:01Z [--] followers, [---] engagements
"UMI drops to 1.48"
X Link 2026-01-20T21:42Z [--] followers, [----] engagements
"it's a very rudimental heuristic using Google Search Trends data but general traffic for personal auto and home loans has been trending downwards over the past [--] months. in the mean time $UPST loans are trending upwards and if anything (according the @HenryInvests $UTPI) setting fresh records when it comes to 'filled inquiries'. something is cooking here: seemingly above market trends in both rate inquiries and originations. https://twitter.com/i/web/status/2011130359732183518 https://twitter.com/i/web/status/2011130359732183518"
X Link 2026-01-13T17:36Z [---] followers, [----] engagements
"TRUMP NOW ON THE 10% CREDIT CARD RATE CAP: "Credit card companies will be in violation of the law if they do not comply with the interest rate cap by January [--]. They are abusing people and I am not going to let it happen." My question is how is he going to implement this"
X Link 2026-01-12T03:04Z 324.7K followers, 254K engagements
"I think President @realDonaldTrumps goal of reducing credit card interest rates is a worthy and important one. My concern about capping rates at 10% is that doing so will inevitably cause millions of Americans to have their cards cancelled as credit card companies lose the ability to adequately price subprime credit risk. Consumers denied credit cards will be forced to turn to loan sharks whose rates and terms will be vastly worse for borrowers. While 20% or more is a high rate loan sharks can charge multiples of these rates and the cost of default can be physical harm or worse. I have no"
X Link 2026-01-10T12:41Z 2M followers, 1.9M engagements
"RT @amandaorson: Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points dont survive. I sp"
X Link 2026-01-11T04:56Z [--] followers, [----] engagements
"Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points dont survive. I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards lounges and credits pencil out. Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge [--] to 30% many consumers revolve balances and the system feels punitive. But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors rewards rely on behavioral inefficiency"
X Link 2026-01-10T17:06Z 25.5K followers, 5.7M engagements
"🚨 BREAKING"
X Link 2026-01-10T01:12Z 1.5M followers, 16.7M engagements
"I strongly suspect the whole 10% cap wont happen given it would likely cause a massive recession. If it did next question is whether it applies to all unsecured lending. That seems even far more unlikely given very ugly repercussions for our economy. if not the card cap could be a massive boost to unsecured lending as an alternative way to borrow. if so it would significantly limit who we could lend to. i put that at far less than 1% likelihood. Now were talking Great Recession. Regardless i dont see any reason it would impact our funding. in fact wed likely be swimming in it"
X Link 2026-01-10T19:11Z 22.3K followers, 33.4K engagements
"Best way to lower credit card rates would be to ban rewards. They are a regressive tax that trick consumers into spending more - thinking they'll pay off their card each month"
X Link 2026-01-10T17:19Z 22.3K followers, 10.3K engagements
"Im for free markets and ultimately think literally capping credit card rates at 10% is a bad idea. However I do think its right to consider seriously if something about todays card market couldnt work better for borrowers. In theory as many are pointing out interest rates are competitively set as a function of default risk and if you cap rates lower less people get access to credit. Under this model taking card rates which are often in the 20s and capping them at [--] gets you credit Armageddon for ordinary Americans. In practice though the credit card market is a uniquely poor representative"
X Link 2026-01-10T14:44Z [----] followers, 16.5K engagements
"$UPST @Upstart Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long. https://t.co/mxMXIDFrBL"
X Link 2026-01-10T10:29Z [--] followers, [---] engagements
"Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long"
X Link 2026-01-10T03:07Z 79.4K followers, 421K engagements
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