In 2008, the Basel Committee on Banking Supervision came up with several Principles for Sound Liquidity Risk Management and Supervision. Principle 4 from the document states: A bank should incorporate liquidity costs, benefits and risks in the internal pricing, performance measurement and new product approval process for all significant business activities (both on- and off-balance sheet), thereby aligning the risk-taking incentives of individual business lines with the liquidity risk exposures their activities create for the bank as a whole.

In your opinion, how does this principle factor into credit card interest rates?