When the Fed increases rates, banks raise the prime rate, a bench mark index used to set all kinds of consumer loans, credit cards, car loans, home equity lines and credit, private student loans.

当美联储加息时， 银行会提高最优惠利率，这是一种基准指数， 用于设定各种消费贷款、信用卡、汽车贷款、房屋净值额度和信贷、私人学生贷款。