This chart shows the 30 -year mortgage rate, now in light blue. Compare that to the credit card rate, in dark blue.
While the mortgage rate has gone up by maybe 5% since 2021, the credit card rate has increased by 8% or so, and that's on top of an already high baseline.
The current credit card rate is a record 23%. I'd call that usurious.
Not surprisingly, bank profits from credit cards are also at a record high.
https://www.ft.com/content/34c57911-dcda-4c29-b75d-bef830608a5a