What is arbitrage? 

"in simple terms, it is the possibility of a risk-free profit at zero cost". --wikipedia

A clear example of risk-free profit is found in high interest credit cards.

Credit Cards are generally backed by very low interest rate loans by the Government or from Savings accounts held through the banking system.

So the difference between the high interest earned from credit cards and the low interest cost for the banking system is the arbitrage.

Thus, the banking system will naturally commit money to the highest interest rates which are now found in unregulated credit card policy; this implicitly leaves less money available for small business or homeowners with mortgages to refinance.

So to help our Economy without playing favorites with our taxpayer dollars, let's ask our politicians to adopt a fair standard of a maximum interest rate for all credit cards issued in the United States; In this petition, I will propose a limit of 9.99%

This new policy will ensure financial responsibility from credit card holders and the banking system alike to benefit all generations of Americans.