Consider -- Credit card companies can obtain funds at historically low interest rates (the prime rate is 3.25 percent) yet routinely charge consumers as much as 25 percent on ordinary purchases and card balances. Even rates for "good customers" are the prime rate plus 11 percentage points.
Usury is illegal, and is defined as "unreasonably high interest rates."
As for defining what is "reasonable," ask a lawyer.
On second thought, don't.
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