According to CoinMeta, the Federal Reserve has decided to keep interest rates unchanged in order to assess the impact of previous rate hikes and the employment market situation. Despite recent inflation data being higher than expected and far exceeding the Fed's target levels, policymakers have chosen to remain cautious for now and continue to monitor the stability of the labor market. For consumers, the pause in rate hikes means that the cost of credit card borrowing will not increase, but interest rate risks still exist. Future policy decisions will depend on economic conditions, and early signals suggest that a rate hike may occur in December. Consumers should be cautious with their credit card debt, stay within their budgets, and avoid overspending.