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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 Donald Trump says he has issued a pardon to his longtime ally Roger Stone, according to a statement from the White House.Stone, who was convicted of several crimes in connection to the investigation launched by Special Counsel Robert Mueller, was set to begin a 40-month prison sentence on Tuesday."Roger Stone is a victim of the Russia Hoax that the Left and its allies in the media perpetuated for years in an attempt to undermine the Trump Presidency," the White House statement read. "There was never any collusion between the Trump Campaign, or the Trump Administration, with Russia."Stone was briefly and advisor to the Trump campaign during the 2016 election. Though he left the campaign in controversy, he still supported Trump and the campaign on his behalf. He's alleged to have made contact with WikiLeaks, the organization that published a trove of hacked emails linked to the Clinton campaign.Stone was convicted of seven counts of lying to Congress, obstruction of justice and witness tampering in connection with his testimony during a House Intelligence Committee and his attempts to have a friend lie to investigators on his behalf.Upon his conviction, federal attorneys recommended Stone serve a prison sentence of between seven and nine years. However, the Department of Justice quickly rescinded that resignation, calling it excessive. In response, all the federal attorneys on the case resigned, and Attorney General Bill Barr was criticized for his department's rescinding of the recommendation."Mr. Stone would be put at serious medical risk in prison. He has appealed his conviction and is seeking a new trial," the White House statement read. "He maintains his innocence and has stated that he expects to be fully exonerated by the justice system. Mr. Stone, like every American, deserves a fair trial and every opportunity to vindicate himself before the courts. The President does not wish to interfere with his efforts to do so. At this time, however, and particularly in light of the egregious facts and circumstances surrounding his unfair prosecution, arrest, and trial, the President has determined to commute his sentence. Roger Stone has already suffered greatly."While Mueller's report could not determine a direct link between the Trump campaign and Russia, it could not rule out that Trump obstructed justice throughout the investigation.Rep. Adam Schiff, D-Calif., the chair of the House Intelliegence Committee, said that the commutation meant that "there are now two systems of justice in America: One for Trump's criminal friends and one for everyone else." 2616

President Donald Trump’s former adviser Kellyanne Conway said late Friday that she has tested positive for the coronavirus, days after attending a White House event with several others who have since come down with COVID-19.Conway tweeted Friday that she has a “light cough” and is “feeling fine.” “I have begun a quarantine process in consultation with physicians,” she added.Conway attended the Rose Garden announcement Saturday where President Donald Trump announced his nomination of Judge Amy Coney Barrett to the Supreme Court. Among the attendees, Republican Sens. Mike Lee and Thom Tillis, the president of the University of Notre Dame, as well as Trump himself tested positive Friday for the coronavirus. 721

President Donald Trump's longtime personal aide John McEntee was fired and escorted from the White House on Monday, three sources with knowledge of the matter told CNN.Two sources said McEntee was pushed out because of issues with his security clearance, making him the latest aide to be forced out because of difficulties obtaining a permanent security clearance.The Wall Street Journal first reported his exit.Minutes later, the Trump campaign announced McEntee would be joining the reelection effort as a senior adviser for campaign operations.The-CNN-Wire 567

President Donald Trump told lawmakers on Thursday he was scrapping a planned pay raise for civilian federal workers, saying the nation's budget couldn't support it.In a letter to House and Senate leaders, Trump described the pay increase as "inappropriate.""We must maintain efforts to put our Nation on a fiscally sustainable course, and Federal agency budgets cannot sustain such increases," the President wrote.An across-the-board 2.1% pay increase for federal workers was slated to take effect in January. In addition, a yearly adjustment of paychecks based on the region of the country where a worker is posted -- the "locality pay increase" -- was due to take effect.Trump said both increases would no longer happen."I have determined that for 2019, both across the board pay increases and locality pay increases will be set at zero," he wrote.He stressed the change wouldn't affect the federal government's ability to attract qualified workers, and wrote the government would focus on "recruiting, retaining and rewarding high-performing Federal employees and those with critical skill sets."The implications of Trump's decision on the locality pay increase were not immediately clear. Workers based in more expensive parts of the country are paid higher salaries to compensate for the higher cost of living.In his letter, Trump wrote the locality increase in 2019 would average 25.70% and cost the federal government billion. But he did not say whether the locality adjustments already in place would remain in effect and the White House did not immediately clarify.Pay for military personnel will not be affected by Trump's decree; instead, US troops are due a 2.6% pay increase next year. Trump frequently trumpets the military pay raise while listing his administration's accomplishments. The raise came as part of a massive 6 billion defense spending bill that Trump signed earlier this month.That measure, along with a new two-year federal budget and tax cuts heralded by Republicans, have led to accusations Trump is ignoring the federal deficit, despite promising he would address it as president. The tax plan alone is expected to increase the deficit by .4 trillion over 10 years, according to a government estimate.Reaction from Democrats was swift, particularly those from states adjacent to Washington, where large numbers of federal workers reside."Zero. This seems to be how much respect President Trump has for federal workers," wrote Sen. Ben Cardin, D-Maryland, in a statement. "It is outrageous and hypocritical that after spending billions of taxpayer dollars on unnecessary tax cuts for the wealthy and big corporations -- and as the President boasts about the 'great' state of the American economy, that suddenly the White House finds that there is zero money left to pay a minimal cost-of-living adjustment to the patriotic, dedicated public servants."While the Washington area contains the largest concentration of federal workers, only 1-in-6 civilian employees of the government live in the region.The state with the largest number of federal workers is California, followed by Virginia, Washington, DC, and Texas. 3164