Wall Street's largest banks ended 2025 on a strong note and executives struck an upbeat tone for the year ahead, even as U.S. President Donald Trump's proposed cap on credit card interest rates ​kept the industry on edge.

President Donald Trump has unveiled a series of initiatives over the past two weeks to address the ongoing affordability crisis affecting millions of Americans, including proposing a cap on credit card interest at 10% on January 9.

Key takeaways Using a personal loan to pay off credit card debt could be a smart move if you can secure a lower rate or are juggling multiple credit card payments Paying off credit card debt with a personal loan may not be right for you if you’re overwhelmed by debt Before you use a personal loan to pay off debt,