What's at stake : Bread would be one of the credit card issuers most impacted by any systemic change to credit card interest rates. : Bread would be one of the credit card issuers most impacted by any systemic change to credit card interest rates. Bread Financial had little to say about the Trump administration's proposed 10% cap on credit card interest rates during the lender's quarterly call with analysts, despite projections the lender would face negative impact. Processing ContentBread Financial would be one of the publicly traded credit card issuers most impacted by the proposed cap to interest rates, according to a Morgan Stanley research note. Synchrony Financial, one of Bread's competitors in the co-branded retail credit card space, would also likely see earnings impact from a cap, along with Capital One and American Express.