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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 Trump has signed the Music Modernization Act into law, a bill that will bring sweeping changes to the way music is licensed and songwriters are paid.Supporters say the Music Modernization Act, championed by Sen. Lamar Alexander (R-Tennessee), will ensure that songwriters get paid fairly for their work in the streaming age.  A key aspect of the legislation is the creation of a new independent entity that will license songs to companies that play music online. The group will then pay songwriters, while digital streaming services, like Spotify or Pandora, can ask for a blanket license. This is the first overhaul to music copyright law in decades. The law will also make sure artists who made music prior to 1972 are paid.Recording artists didn't have any copyright rights in their works until 1972. Kanye West, Kid Rock and John Rich are among artists expected to attend Thursday's ceremony at the White House.   965

RAMONA, Calif. (KGTV) – It was a nightly ritual. Steve Faught would put his dog, Riley, in his old Ford pickup and take him to a nearby baseball field to play fetch.  On his way Thursday night, he stopped by Stage Stop Liquor and Gas to pick up a six-pack of beer. But he never made it to the field. Faught was found at the gas station with a major injury to his neck, according to the San Diego Sheriff’s Department. He was airlifted to a hospital for surgery but did not survive. His older brother, Jerry Faught, described him as funny, with a warm personality. “To him, life was a good place,” he said. “He was just the kind of person you’d like to know.” Faught heard the news from Steve’s wife, who called him at his home in Portland. His older brother instincts kicked in. “I couldn’t help him. I couldn’t save him. That’s hard,” he said. Homicide detectives are trying to piece together what happened and what led up to the altercation, but as of Friday morning they had not been able to locate any witnesses or surveillance video. The suspect, 26-year old Jarrett Wishnick, has been arrested for murder. 1169

President Donald Trump suggested delaying the 2020 presidential election in a Thursday morning tweet while further perpetuating the false claim that mail-in voting leads to widespread voter fraud."With Universal Mail-In Voting (not Absentee Voting, which is good), 2020 will be the most INACCURATE & FRAUDULENT Election in history," Trump tweeted. "It will be a great embarrassment to the USA. Delay the Election until people can properly, securely and safely vote???"Despite Trump's repeated claims to the contrary, there is little evidence that mail-in voting leads to widespread voter fraud. Five states already conduct their elections entirely through the mail: Colorado, Hawaii, Oregon, Washington and Utah.In fact, Trump himself has voted by mail several times.In addition, legal experts say the president does not have the power to move Election Day. The Constitution provides that power to Congress, who passed a law in 1948 specifying election day as the first Tuesday in November. Democrats control the House of Representatives, and it's unlikely that they will vote to move the election at the behest of Trump.According to CNN and The New York Times, several top Republicans have already broken with Trump on the prospect of moving the 2020 election, including Senate Majority Leader Mitch McConnell, House Minority Leader Kevin McCarthy, Sen. Ted Cruz, Sen. Lindsey Graham and Sen. Marco Rubio. Trump has already suggested that he won't immediately accept the results of the election if he were to lose in November. Earlier this month in an interview with Fox News' Chris Wallace, Trump said it would "depend" if he would accept the results in which he lost, citing mail-in voting.Several recent national polls show Trump trailing his presumptive opponent, former Vice President Joe Biden, but double digits. Those same polls also show Trump trailing in key swing states. 1895

RAINBOW (CNS) - One person was killed this afternoon when an SUV veered off a rural road in the far northern reaches of the San Diego area, struck a tree and caught fire, authorities reported.The fatal accident was reported about 4:45 p.m. on Pala Temecula Road, just south of the Riverside County line in the Rainbow community, according to the California Highway Patrol.The victim, whose identity was not immediately available, died at the scene of the crash, which left the roadway blocked in the area. 513