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Rate Of Return 昨天美國最新的 4 月消費者信貸數據出爐：消費信貸總額增加 231 億達到 4.86 兆美元的歷史新高，增量是創五個月來最大！信用卡爽爽刷～
我認為有兩點值得關注：
1️⃣ 現在信用卡平均利率創下 20.9% 的歷史新高！利率低大家刷卡消費可以理解，為什麼要在利率高到這種地步不斷刷卡呢？還是因為勞動力市場太火熱，所以反正有工作就不怕還不出錢來？
2️⃣ 我們看到以往的數據顯示消費者具有韌性，主要原因是拜登的財政政策，使家庭有很多「超額儲蓄」，既然那麼多超額儲蓄，為什麼還要瘋狂刷卡消費呢？又或是我們正在面臨「超額儲蓄」的轉捩點？
這是可以思考的兩個方向。
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