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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 became emotional this week, talking to firefighters, nurses, and other frontline workers in the coronavirus pandemic.“The physical impacts of this virus are devastating. I myself have held the hand of dying patients who were crying out for their families that they can’t see. I’ve taken care of coworkers as they fight for their lives on a ventilator, and knowing they got sick because their hospital or their government hasn’t protected them,” said Mary Turner, an intensive care unit nurse in Minnesota while holding back tears.“I’m sorry I’m so emotional,” she added through tears. “You’ve got me emotional,” Biden responds, while wiping away his own tears.The online roundtable Wednesday came the same day America had a record number of deaths in one day, more than 1,800, and recorded more than 250,000 deaths total since the beginning of the pandemic.“It’s not enough to praise you. We have to protect you, we have to pay you,” Biden told the group of frontline workers.Biden participated in the roundtable from Wilmington, Delaware, where he has a home and has been hunkered down since Election Day.The roundtable is one of several the president-elect has held in the last week, bringing together business leaders, community members, frontline workers, and experts to begin collaborating on possible strategies to control the spread of the coronavirus and rebuild the economy.Biden has convened a coronavirus advisory board to begin working on solutions and strategies for when Biden and vice president-elect Kamala Harris are sworn into office in January.He has encouraged a nationwide effort to require masks and social distancing. However, state governors would have to make those decisions. 1735

President Donald Trump tweeted for the first time in nearly 18 hours after he announced early Friday morning that he was diagnosed with the coronavirus. The tweet was posted as Trump arrived at Walter Reed Hospital Friday evening. Trump was moved from the White House to the hospital via Marine One.The usually highly active Twitter account has gone silent as Trump has battled symptoms of the coronavirus from the White House residence. Trump and first lady Melania Trump have been isolated today following his diagnosis.“I want to thank everybody for the tremendous support,” Trump said in the tweet. “I am going to Walter Reed Hospital. I think I am doing very well. But we are going to make sure that things works out. The first lady is doing very well. Thank you very much. I appreciate it. I will never forget. Thank you.” 836

President Donald Trump threw some red meat to his base this week and claimed he was prepared to defy the Constitution and end birthright citizenship in the U.S.His comments led to cheers from immigration hardliners, outrage from his Democratic critics and a few notable rebukes from senior Republicans in Congress who usually stand behind him.Trump botched some claims about birthright citizenship, such as when he said the U.S. is the only country with that law. Many countries offer the same. A number of legal experts say it is highly unlikely he can end the practice with an executive order-- as did Speaker of the House Paul Ryan.The timing of the proposal dovetails with the President's broader efforts to make the midterm election about illegal immigration, a topic that animates his base. Trump and his allies tie birthright citizenship to the broader effort to curtail illegal immigration. 906

President Donald Trump's personal lawyer Jay Sekulow announced Thursday that Rudy Giuliani is joining the President's personal legal team."I am announcing today that former New York City Mayor and United States attorney for the Southern District of New York Rudy Giuliani is joining the President's personal legal team," Sekulow said in a statement, adding that Trump said Giuliani is "great" and has been his friend "for a long time." 443