New York — Americans would save roughly $100 billion a year in interest costs if President Donald Trump’s campaign proposal to cap credit card interest rates at 10% were implemented, according to a paper published by Vanderbilt University on Thursday.

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Credit builder cards are designed to help kick off – or grow – a credit score. This is the measure lenders use when deciding whether or not to grant a loan or credit card, and at what interest rate. Generally the lower a borrower’s credit score, the better the card and loan deals they’’ll be offered.