沈阳肤康带状疱疹治疗医院(沈阳 治青春痘医院哪家好) (今日更新中)

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

Summer camps have been among a number of spots that have been known as “super spreaders” of the coronavirus,” locations where dozens or even hundreds of infections have spread.While there is an inherent risk with holding camps amid the coronavirus pandemic, the CDC says with proper precautions, the risk can be minimized.This week, the CDC outlined efforts by four summer camps in Maine held over the summer. The camps combined for more than 1,000 attendees coming from 41 states or territories. The result was a success, with only three known asymptomatic cases of the virus stemming from the camps. Testing played a key role in minimizing the risk. The attendees were tested days before coming to the camp. Of 1,022 attendees, four tested positive, which delayed their arrival. Attendees were also told to isolate in the days leading up to their arrival.Once at the camp, attendees were frequently checked for symptoms. During the camp, 12 people were isolated at times due to presenting symptoms, but all tested negative for the coronavirus. There were also three cases identified during the camps among asymptomatic attendees, two of whom were staffers. The three attendees were isolated for 10 days and not cleared until receiving two negative tests.“Thoughtful and prudent public health practices used during overnight summer camps in Maine reinforces how powerful everyday preventive actions are in reducing and keeping COVID-19 transmission low,” CDC director Robert Redfield. “Despite more than 1,000 campers and staff from nearly every state and seven countries, only three people tested positive for COVID-19 during the camp and no additional campers or staff were known to be infected. Using a combination of proven public health strategies to slow the spread of COVID-19, campers and staff were able to enjoy a traditional summer pastime amid a global pandemic.”To read more about how the camps avoided an outbreak of the coronavirus, click here. 1968

STOCKHOLM (AP) — Americans Harvey J. Alter and Charles M. Rice and British-born scientist Michael Houghton have won the 2020 Nobel Prize in medicine for their discovery of the hepatitis C virus.The World Health Organization estimates there are over 70 million cases of hepatitis worldwide and 400,000 deaths each year.The disease is chronic and a major cause of liver inflammation and cancer.The Nobel committee says, “thanks to their discovery, highly sensitive blood tests for the virus are now available," a development that has greatly reduced the chances of getting hepatitis C through blood transfusions.The medicine prize carries particular significance this year due to the coronavirus pandemic, which has highlighted the importance of medical research. 769

Terminally ill British toddler Alfie Evans died overnight, days after life support was withdrawn, according to messages posted by his parents on Facebook on Saturday."My gladiator lay down his shield and gained his wings at 02:30. absolutely heartbroken. I LOVE YOU MY GUY," his father, Thomas Evans, wrote on the "Save Alfie Evans" Facebook page."Our baby boy grew his wings tonight at 2:30 am. We are heart broken. Thankyou everyone for all your support," his mother, Kate James, posted on the "Alfies Army Official" Facebook page.The 23-month-old boy, who had a degenerative brain condition, had been at the center of a high profile legal battle over whether life support should be continued. The case has stirred strong emotions both in Britain and abroad, with hundreds of thousands signing petitions supporting him.Alfie, who was admitted to Alder Hey Hospital in December 2016, was diagnosed with a neurodegenerative disease associated with severe epilepsy and had been in a semivegetative state for more than a year. During that time, he was kept alive by artificial ventilation in the critical care unit. 1121

The 29th named tropical system of the Atlantic hurricane season formed on Monday, marking a new yearly record for the basin.Subtropical Storm Theta formed over the open waters of the eastern Atlantic Monday evening, packing top winds of 50 mph. The storm is far from any land, and does not pose any immediate threat to land.Theta marks the deepest jaunt down the Greek hurricane naming list. Theta is the seventh storm this season named after a letter in the Greek alphabet. The only other time the Greek alphabet has been used was in 2005.Theta is not the only storm churning in the Atlantic basin. Tropical Storm Eta is spinning in the Gulf of Mexico after striking the Florida Keys yesterday. The slow-moving system is expected to dump heavy rain over Florida over the next few days. Whether it comes ashore again is still in question.Eta previously struck Central America as a powerful Category 4 hurricane last week.The Atlantic hurricane season still has another three weeks to go, and it’s not unheard of for a system to develop in December if conditions are favorable, like they have been for much of 2020. 1123

来源：资阳报