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CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

Colleges and universities are looking ahead to the spring semester as the pandemic continues.Schools like Georgetown University, Smith College, Princeton University and the University of Florida (UF) are either inviting undergrads to live on campus starting in January, or are bringing back more students for face-to-face learning.Princeton and UF are among the universities that will test students and staff regularly.UF already has students living on campus and has more than 14,000 undergrads registered to take in-person classes in the spring.“We feel it's important to move the campus back to normalcy to the extent possible. Because in the end, a university is really a community of people, living and working and researching together. And we feel it is important to bring people back and reestablish that sense of community,” said Joe Glover, Sr. VP of Academic Affairs at UF.While having 14,000 undergrads on campus sounds like a large number, that’s less than half of the 36,000 undergrads who are enrolled at the university located in Gainesville. The campus has reduced class sizes and is already near capacity of what they can handle, while being socially distanced.Before the pandemic, many states required college students to have the bacterial meningitis vaccine if they want to live on campus. That still stands, but now there is a possibility universities could have a similar requirement for the COVID-19 vaccine.“Until it moves from emergency use to a more normal, permanent approval, that will probably remain in the realm of possibility or theoretical possibility,” said Glover.Ultimately, it is up to states to decide whether this should be a requirement. The earliest states could decide on this is likely about six months from now. 1763

Country singer Gretchen Wilson was arrested in Connecticut after allegedly becoming belligerent with police at a local airport. CBS affiliate WFSB reported Wednesday morning that the Connecticut State Police was called to Bradley International Airport near Hartford on Tuesday. There had apparently been a minor disturbance on an incoming flight. Authorities said Wilson became belligerent during an interview. She was arrested and charged with breach of peace.  WFSB reported that she was booked on a ,000 bond. Wilson is best known for her 2004 hit, “Redneck Woman.”   625

CMA Entertainer of the Year nominee Luke Bryan says jokingly he may be a meaner person by the time American Idol is over.The “Huntin', Fishin' & Lovin' Every Day” singer explained to Scripps that one of his biggest challenges going into the show is finding a way to tell younger artists that it may not be their time in the spotlight yet.CMA Awards: How Florida Georgia Line ended up on Morgan Wallen's "Up Down"“You have to learn how to tell people no,” Bryan said. “We are telling these dreamers that they are not quite good enough to make it through thus far.”He explained to Scripps in Nashville that it may not be because of a lack of talent, saying that he’s not sure he could have made the cut early in his career.“A lot of these people are talented,” Bryan said. “If I had been 17 or 18-years-old I don’t think I would have cut the mustard back then.”CMA Awards: Kelsea Ballerini talks about fangirling and having dinner with RebaDon’t look for the country superstar to take on the Simon Cowell persona. He says that with fellow judges Katy Perry and Lionel Richie also being an artist it can make it an especially tough assignment.In addition to his CMA nomination, Bryan is preparing to kick off his “What Makes You Country” tour in February in Springfield, Missouri.The CMA Awards air Wednesday night at 7 p.m. (CT) on ABC. 1346

CORONADO, Calif. -- A distracted school bus driver is being blamed for a chain-reaction crash that injured students on their way home.According to the CHP, just before 2 p.m. Wednesday, a bus carrying about 50 Coronado Middle School students rear-ended a truck that was stopped at a light, which hit another truck.Afterwards, Coronado's police chief and other officers handed out water because the bus was stuffy.There were no serious injuries, but six or seven students did complain of some pain.  It's unclear how many were taken to the hospital.The CHP says the preliminary cause is unsafe speed. The driver - in his sixties - claims he was distracted by something going on with the students.10News reached out to the school district to find out if the driver will face a suspension, but have yet to hear back. 826