For better or worse, the Fed's relationship to home loan rates isn't direct or immediate. "While the Fed certainly can influence mortgage rates, investors are the true movers," sa

But while the Fed's pause means credit card interest rates likely won't climb higher in the immediate future, that doesn't mean relief is on the way. Credit card APRs remain at re

Consumer confidence is waning, and more Americans doubt they will be able to get the credit they need to pay for big purchases and cover everyday costs. Fewer people feel secure in their current jobs,