昌吉怀孕后多长时间可以做人流昌吉临时增强持久力,昌吉上哪家医院做人流好,昌吉怎样做割包茎手术,昌吉哪个医院妇科医生好,佳美妇科医院的电话,昌吉如何能治阳痿早泄,昌吉切包皮需要休息多久

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

Taylor Swift used her acceptance speech for artist of the year at the American Music Awards on Tuesday night to encourage her fans to vote."This award and every single award given out tonight were voted on by the people, and you know what else is voted on by the people?" Swift asked the audience. "It is the midterm elections on November 6. Get out and vote. I love you guys."Swift had announced Sunday on Instagram that she would be voting for Democratic candidatesin her home state of Tennessee in the elections and called on her fans to register and vote. The post has been liked nearly 2 million times.Earlier in the show, comedian Billy Eichner had referenced Swift's post. 692

Structural Collapse | #Pasadena | 8300 blk Dunn Road | large tree fell on a detached garage occupied by 20+ people | 6 trapped on arrival | all extricated within 45 minutes pic.twitter.com/jZQgqtcl4O— Anne Arundel County Fire Department (@AACoFD) July 5, 2020 267

TAMPA, Fla. — The Centers for Disease Control has just identified more than 220 strains of what they call “nightmare bacteria” that can kill up to 50 percent of the people who catch them.“I never ever thought that I would end up getting MRSA,” said Sandra Jankowski, who was infected with antibiotic resistant bacteria her father contracted during a visit to a local hospital.Jankowski believes she was infected while caring for her father at a nursing home.“He had small scrapes and other things, which meant what was there in his system was sort of out there for all the rest of us,” she said.Jankowski contracted MRSA in her eyes and she underwent treatment for months.“It's much more rampant than we realize and very difficult to get rid of,” Jankowski said.She was lucky, because her infection eventually responded to drugs.But the CDC announced Tuesday that researchers have identified more than 220 strains nationwide that don't respond to drugs.“We are learning what is the extent of the problem and how to best manage it. And that's so critical,” said Dr. Seetha Lakshmi, an infectious disease specialist at Tampa General Hospital.She says new research and better communication between local partners and state and federal agencies will help address the crisis.The first of its kind nationwide assessment released Tuesday provides new information to providers.The CDC has more than 500 employees dedicated to containing unusual antibiotic resistance.“If you're the frontline provider, how do you act on this issue? What are your resources? How do you prevent this from spreading to other places, other people?” Lakshmi said.And identifying specific strains of "nightmare bacteria" will help health care providers respond aggressively, as the CDC pointed out in a conference call today.“The containment strategy can reduce the number of nightmare bacteria cases by 76 percent,” CDC officials reported in a nationwide conference call Tuesday.A summary of the report can be found here.Lakshmi says local hospitals now limit widespread use of antibiotics, which keeps bugs from mutating as rapidly.“You take it only if you need it. Don't take it if you just have a runny nose cold with a virus,” Lakshmi said.And other practices, like frequent hand washing can also help.“What we need to do is raise awareness,” said Jankowski, who believed she contracted her infection after touching her father.One way to protect yourself from hospital acquired infections is to do research before choosing a healthcare facility, if possible.And healthcare experts say infection rates can be lower at satellite offices or clinics that specialize in specific surgeries.Most Tampa Bay area hospitals already report their infection rates.You can compare them at the following link. 2781

The Americans have chosen their President. Congratulations @JoeBiden and @KamalaHarris! We have a lot to do to overcome today’s challenges. Let's work together!— Emmanuel Macron (@EmmanuelMacron) November 7, 2020 220