Should You Buy, Sell, or Hold Visa Stock for January 2026?

Policy risk rattled the financial sector over the weekend after President Donald Trump announced late Friday, Jan. 9, a proposal to cap U.S. credit card interest rates at 10%. Markets reacted swiftly, sending large bank stocks down 1% to 3% on Monday as investors reassessed profitability across consumer lending.

Trump suggested the one-year cap would take effect on Jan. 20, though enforcement mechanics remain unclear. Banks and analysts warn that such limits could render sizable portions of the credit card business unviable, especially higher-risk accounts that rely on elevated interest rates to offset defaults.