Unless of course you use your credit card and they pay you “bonuses” for using it. The retailers are forced to raise prices on everyone to pay the increased charges they incur for these bonuses.
Money deposited in banks gets a lot of benefits like safe storage, checks, statements, transfer privileges, but money that banks loan out has to be positive because borrowers don’t do any favors for the banks. The ‘real’ prime interest rate (prime - cpi) is usually 2-3% tho lately it’s been less.
For the past few decades average ‘real’ credit card interest rates have hung out around 12%.