The next six months are going to be very painful, retailers at the annual NRF convention concur....

|By:, SA News Editor

The next six months are going to be very painful, retailers at the annual NRF convention concur. J.C. Penney (JCP) CEO Mike Ullman tells attendees his family has its own TARP program - he pledged to pay off his children's credit card debt in exchange for the cards. It worked.