Capitalism has always been regulated. Allan Greenspan of the Federal Reserve controls interest rates. His management of rates has contributed to one of the strongest economies in American history. Industry monopolies are prohibited. Insider trading on Wall Street is illegal.
Airlines comply with safety regulations.
The exploitation of employees is outlawed. There is no reason why credit card companies shouldn't be aggressively regulated by the federal government. Today, rates vary widely due to state laws governing rates. No credit card company charges what state law permits. Banking is a noble profession.