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American Bankers Association annual fees Arkansas average balances bank card bank credit card Biaggi borrowers card interest rates card users cardholders cards issued cash ceilings on credit Chairman ANNUNZIO commercial Congress consumer credit cost of funds cost of money credit card accounts credit card credit credit card industry credit card interest credit card issuers credit card loans credit card market credit card operations credit card rates customers decline deregulation discount rate economic effect Federal Reserve Board finance charges finance companies finance rates forms of consumer going higher HILER HUNT increase interest charges interest rate ceilings interest rate controls J.C. Penney legislation lenders limit market rates marketplace MasterCard merchant discount million mortgage offer payment percent percentage points personal loans prime rate profit proposed purchase rates on credit recent regulated restrictive retail cards retail credit cards revolving credit SCHUMER SEGER subcommittee sumer suppliers transaction Treasury bill usury ceilings