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Retail credit card APRs have not changed despite the Federal Reserve slashing interest rates to near zero this year, according to a new report from CreditCards.com.Store-only cards have the highest interest rate at nearly 30%. That's the case for a few jewelers, Discount Tire and Big Lots, which sells furniture and appliances.“They're kind of preying, in some cases, on people who are really desperate to buy something, but may not have the money for it,” said Ted Rossman, an industry analyst at CreditCards.com. “So, it's really all about risk management.”The website’s survey found more than 43% of people have impulsively applied for a store card at checkout.That phenomenon may change this holiday season, when much of the shopping is expected to be online.“It might be less of an issue this year,” said Rossman. “Although, who knows? Maybe the shoppers that are in store are going to be peddled these even more aggressively, so it's something to watch for.”Store credit cards can be worth it if you pay your bills in full to avoid interest and you're loyal to a certain retailer. That's especially true for cards that offer 5% back on everything you buy. Amazon, Walmart, Target and a few clothing stores offer those kinds of rewards.If you're just signing up for an initial discount, don't waste it on a small purchase.Remember a credit card is different from a free loyalty program.You might be getting into something that could hurt your credit score. 1470

President-elect Joe Biden says it is important that President Donald Trump attend his inauguration only in the sense that it would demonstrate the nation’s commitment to a peaceful transfer of power between political rivals.Trump aides have expressed skepticism that the president would attend Biden’s Jan. 20 inauguration. Trump has continued to falsely claim victory and spread baseless claims of fraud to try to explain away his loss.Speaking Thursday to CNN, Biden said, “It is totally his decision.” He added, “It is of no personal consequence to me, but I think it is to the country.”Biden lamented Trump’s refusal to concede, saying, “These kinds of things happen in tin-horn dictatorships."He said he hoped Trump would attend the inauguration to set an example to other nations on the democratic process. 820

Rep. Duncan Hunter and his wife, Margaret, were indicted Tuesday on charges related to the misuse of 0,000 worth of campaign funds for personal expenses and the filing of false campaign finance records.The charges of wire fraud, falsifying records, campaign finance violations and conspiracy were the culmination of a Department of Justice investigation that has stretched for more than a year, during which the Republican congressman from California has maintained his innocence.Republican Party leaders had long worried that with a potential indictment looming, Hunter's traditionally safe district which makes up much of eastern San Diego County could be at risk of Democratic takeover in November's midterm election.Hundreds of thousands of dollars in unusual charges on Hunter's campaign credit card had come under scrutiny, including among other things, an Italian vacation, dental work, purchases at a surf shop, and huge tabs at bars in restaurants in the San Diego and Washington DC areas. Among the most mocked charges was airfare for a pet rabbit to fly with the family, which an aide said was mistakenly charged to the wrong credit card.Hunter, a former Marine, has reimbursed his campaign account some ,000 since the Federal Election Commission first questioned spending on video games in 2016, according to Federal Election Commission records."There was wrong campaign spending, but it was not done by me," Hunter told KGTV-10, a San Diego television station, earlier this year.His comments have cast blame on his wife and former campaign manager, Margaret Hunter, who also made charges on the campaign credit card.Hunter's lawyers said last year that "any mistakes were made they were strictly inadvertent and unintentional."California's 50th District is a staunchly Republican district with many current and former military families that covers much of eastern San Diego County. The Congressman's father, Duncan L. Hunter, represented parts of the district (which changed after redistricting) and has rallied donors and supporters to his son's side.Hunter's Democratic challenger, Ammar Campa-Najjar, a former department of labor aide in the Obama administration, has repeatedly outraised him.Many Hunter allies believe he will stay in his House seat while fighting the charges.Even if a federal candidate chooses to withdraw from contention, their name will remain on the ballot unless they seek removal of their name from a judge, according to the California Secretary of State's office.At this late juncture, there is no possibility of a write-in campaign. Only Hunter and Campa-Najjar will appear on the November ballot, since they were the top vote-getters in California's top-two primary in June.This is a breaking news story and will be updated.   2789

PRINCETON, N.J. — Princeton University has announced plans to remove the name of former President Woodrow Wilson from its public policy school because of his segregationist views, reversing a decision the Ivy League school made four years ago to retain the name.University president Christopher Eisgruber said in a letter to the school community Saturday that the board of trustees had concluded that “Wilson’s racist views and policies make him an inappropriate namesake” for Princeton’s School of Public and International Affairs and the residential college.Eisgruber said the trustees reversed their April 2016 decision in light of the recent killings of George Floyd and others. Floyd's death sparked weeklong protests against systemic racism and police brutality. 776

RANCHO BERNARDO, Calif. (KGTV) - The Rancho Bernardo Development Review Committee heard comments Tuesday night regarding an application for a recreational marijuana store.The owners of the store Urbn Leaf have applied to open a new location at 16375 Bernardo Center Drive, the site of the former Mexican restaurant El Torito.The committee was expected to vote on whether or not they would recommend approval of the conditional use permit, a non-binding decision that would be sent to the Rancho Bernardo Planning Community Planning Board.However, in a 3 to 2 decision, they voted to postpone the vote to a later date pending traffic and environmental studies of the potential impacts. 692