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- Credit Card Interest Rates
Credit Card Interest Rates
The Kobeissi Letter's line chart drew 151.1K views on X: 0.7x its typical post and #37 of 48 The Kobeissi Letter charts we track by views. Read Oct 12, 2026.
The cost of consumer credit is rising.
Why it spread
This chart post spread because it paired a hot topic that week with an independent author, and the measured numbers show the reach: 149,865 views, 775 likes, 92 reposts, 25 quotes, and 59 saves.
What worked
- The post leads with a clear, timely claim that the cost of consumer credit is rising, then backs it with a specific move of two tenths of a percentage point in August to 22.36 percent, its highest level in 12 months.
- It adds context that this is now only 1.0 percentage point below the record 23.37 percent set in August 2024, which gives the number a sense of scale and urgency.
- The chart is a line chart of the US commercial bank credit card interest rate trend, with medium design polish, medium self labelling, a source line, and no unusual form, so it is easy to read and easy to trust.
What to borrow
We could use the same form by taking one current rate from our own data, showing its recent move, and placing it against its record high on a simple line chart with a source line.
Careful
Do not copy the exact framing as if it were our own finding, and do not over read the spread as proof that the chart design alone drove it, since the facts also cite a hot topic that week and an independent author.
Written by our analysis model from the measured numbers above, not by The Kobeissi Letter.
Make it yours
Your numbers, in this line chart.
Starts from the real numbers of "US Commercial Bank Credit Card Interest Rate" by The Kobeissi Letter. Replace every number with yours before you post. Make one like this, step by step
Free pictures carry a small "Made with ViralChart" line. That line is how other people find us.
API · Max
Use this chart via API
On the Max plan you can pull this chart's numbers with the provenance of each one, as JSON or CSV, with its redraw spec, or call it from an agent over MCP. Chart id 18ab72082acb.
Approximate values. Our two readings of this chart agreed only in part (confidence 0.41 of 1), so check the original before you quote a number. The API marks it lowConfidence, and ?min_confidence=0.5 leaves it out.
| Path | Returns | Plan | |
|---|---|---|---|
| GET | /api/v1/charts/18ab72082acb | Title, publisher, date, form, point count; with a Max key, the data link | Open |
| GET | /api/v1/charts/18ab72082acb/data | Every point with its provenance and confidence, plus the redraw spec. Add ?format=csv for CSV | Max |
| GET | /api/v1/charts/18ab72082acb/render?view=1 | The draw-only view this page uses | Open |
| POST | /mcp | Tool get_chart_data with this id, for Claude, Cursor and other agents | Max |
curl -s https://viral-chart.com/api/v1/charts/18ab72082acb/data \
-H "Authorization: Bearer $VIRALCHART_KEY"claude mcp add --transport http viralchart https://viral-chart.com/mcp \
--header "Authorization: Bearer $VIRALCHART_KEY"60 requests a minute per key; over that you get 429 with Retry-After. Up to 5 keys per account, made on your account page and shown once. Without Max, the data route answers 402 with a link to the plans. The numbers describe a chart its publisher owns, and every file carries a license note.
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Questions people ask
How far did The Kobeissi Letter's "Credit Card Interest Rates" chart travel?
151,118 views, 779 likes, 92 reposts and 59 saves on X, read Oct 12, 2026. A normal post from @KobeissiLetter gets about 230.4K views.
What kind of chart is it?
A line chart. US commercial bank credit card interest rate trend.
Can I use The Kobeissi Letter's chart?
Use the format, not the picture. The chart, logo and design belong to The Kobeissi Letter. ViralChart redraws the chart type with your numbers and words, and credits the original publisher.