The interest rate on credit card debt for borrowers with "good" credit is around 20%. (As background: As you might expect, rates are higher for borrowers with only "fair" credit, and lower for borrowers with "excellent" credit.) Recent policy proposals suggest prohibiting credit card lenders from charging interest rates of 15% of more. If implemented, this policy would likely INCREASE/DECREASE/LEAVE UNCHANGED credit card borrowing by people with "good" credit. CIRCLE ONE, and give a brief explanation