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Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

Starbucks wants to transform some of its stores to prioritize customers who order online, according to an SEC filing.The coffee chain says it is accelerating plans to improve drive-thru and curbside pick-up options due to the coronavirus pandemic.In its filing, Starbucks says it plans to open 300 locations that "specialize" in pick-up and carry-out orders. The company also says the move will require the closure of about 400 of its current cafes.Starbucks says it will make the change over the next 18 months.CNN reports that Starbucks was already re-evaluating its strategy prior to the pandemic, as "80% of transactions at nearly 15,000 US stores are 'on-the-go' purchases."At the peak of the pandemic, when local governments forced the closure of restaurant dining rooms, Starbucks continued to operate many of its locations exclusively through drive-thrus and online ordering. 891

The anonymous juror's attorney just sent out a press release with a statement by the juror. It confirms what many have suspected: "The grand jury was not presented any charges other than the three Wanton Endangerment charges against Detective Hankison." pic.twitter.com/LB5hMjrzfU— Roberto Aram Ferdman (@robferdman) October 20, 2020 341

Target announced Tuesday that it is raising its starting pay to an hour beginning July 5, fulfilling a promise it made three years ago to pay all employees at least an hour.In 2017, Target announced it planned to increase starting pay for employees from to an hour by 2020. Since then, the store has gradually increased its starting pay each year. In 2019, Target increased starting pay from an hour to an hour.“Everything we aspire to do and be as a company builds on the central role our team members play in our strategy, their dedication to our purpose and the connection they create with our guests and communities,” Brian Cornell, Target's Chairman and CEO, said in a statement.Target also announced that it would be giving a 0 bonus to all essential workers "for their efforts throughout the coronavirus pandemic."In addition, Target said that it was offering employees free access to telehealth services through the end of the year, even for employees who don't get insurance through the company. 1039

Subpoenas have been served on the Trump Organization and a dozen linked entities in a lawsuit challenging President Donald Trump's ongoing business ties while in office.The office of District of Columbia Attorney General Karl Racine said Wednesday that it "can confirm that all of the Trump Organization entities have been served." Additionally, subpoenas are being served to the state of Maine, the attorney general's office said.The lawsuit by DC and Maryland claims Trump is in violation of the Constitution's ban on emoluments, or payments, from foreign or domestic government entities to the President because of his continued interest in the Trump International Hotel.DC and Maryland have said the Trump International Hotel's operations put other nearby hotels and entertainment properties at a competitive disadvantage, and that the Trump hotel got special tax concessions. The hotel won its lease on federally owned property before Trump's election.A federal judge set in motion the schedule for DC and Maryland attorneys general to begin collecting evidence in the case. The plaintiffs say they also plan to subpoena 18 entities that compete with the Trump Hotel.The Justice Department has signaled it may challenge the evidence-gathering process.The case is proceeding just as the Trump Organization prepares for a flurry of investigations from House Democrats once they take control of Congress in January.The Trump Organization has not responded to requests for comment on the case. 1532

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