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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

Stores are unveiling their plans for the most critical days of the holiday shopping season.Here's a look at what major retailers have said about their hours for Thanksgiving Day and Black Friday. This list will be updated.JCPenneyJCPenney will open at 2 p.m. on Thanksgiving Day. Its stores will stay open until 10 p.m. the following day. Online sale prices will start four days ahead, on November 19.KmartKmart stores will open at 6 a.m. on Thanksgiving and will stay open until 10 p.m. on Black Friday. Some stores will close at midnight or 2 a.m. on Friday and reopen at 6 a.m.Macy's Macy's will open most of its full department stores at 5 p.m. on Thanksgiving. The company is also highlighting deals that will only be available at certain hours.PetSmartPetSmart will be closed on Thanksgiving, but will open on Black Friday at 7 a.m. The pet retailer will stay open until 9 p.m., and doorbuster deals will run from open until noon.SearsSears says most of its stores will be open from 6 p.m. to midnight on Thanksgiving, though some will be closed for the holiday. All stores will reopen at 5 a.m. on Black Friday.TargetTarget's Black Friday event starts at 6 p.m. on Thanksgiving. New this year: Stores will close that night at midnight and reopen Friday at 6 a.m.  1283

Statement from Secretary of State Brad Raffensperger pic.twitter.com/Sf1JIWH5qg— GA Secretary of State Brad Raffensperger (@GaSecofState) November 9, 2020 162

Teachers across the U.S. have had to educate in completely new and challenging ways this year, with some teaching in-person and others instructing from home.“Right now, they are being asked to do the unimaginable and the impossible,” said shea martin, a former educator. “Whether that is teaching in-person during the pandemic or trying to navigate teaching at home with limited resources.”martin left teaching before the pandemic because of the demands and pressures placed on teachers even then. martin simply couldn’t imagine teaching now, with the additional load teachers are being asked to carry. Recently, though, martin created The Anonymous Teachers Speak Project, a blog allowing current educators an online platform to freely speak about what they are going through.“A lot of teachers work in districts and working spaces where they are under contract and cannot share or publicly talk about what is happening with them,” said martin. “That’s an extra burden they have to carry.”With anonymity, roughly 1,000 teachers have posted and participated in the project.“I think that I have read and seen some of the most heartbreaking stuff I have ever seen in my life,” added martin.Many teachers from around the country have posted to the project, writing about safety concerns while teaching, being overworked and over-worried about their students. Some even write about coming to terms with leaving the profession.“Teachers are crying out for help and the profession, and the district, and the schools, and the structures, are ignoring them,” said martin. “I hope it doesn’t happen, but I think we are going to lose a whole generation of teachers.”According to a report recently released by Horace Mann, a company focused on investing and insurance for educators, 27 percent of teachers surveyed--or more than 1 in 4 teachers--are currently considering quitting.“The fact that a quarter of teachers are considering leaving and the fact that there is already a shortage of teachers in the profession, just really make that even more so magnified,” said Tyson Sanders, who is with Mann. “Three out of four teachers are not living comfortably, so if there is an opportunity to be involved in the profession they are so passionate about and continue to help students, I think it is something they will certainly explore.”That seems to be exactly what is happening, especially with teachers overwhelmed in the public-school space. More and more educators are starting to turn to online teaching opportunities with private companies. They’re given more flexible schedules and the pay is often better.“It’s sad because I wish that our government and our system could figure out a way to adequately compensate and appreciate and take care of our students and teachers the way that they should be,” said martinHowever, 1 in 4 teachers haven’t left yet, so maybe there is still a way to prevent such a loss of educators.Editor's note: This story has been updated to reflect how shea martin spells their name, in lowercase letters. 3037

Sully H.W. Bush, a yellow Labrador service dog who worked with the late former President George H.W. Bush, will be traveling with Bush's casket on his flight to Washington, DC, according to a source familiar with the plans.Jim McGrath, Bush's spokesman, posted an image of Sully next to Bush's casket on Sunday along with the caption, "Mission complete."Sully is named after former airline pilot Chesley B. "Sully" Sullenberger III, who became famous for landing a damaged passenger jet on the Hudson River and saving all 155 passengers and crew in 2009.A highly trained service dog, Sully will now go back into service to help other veterans and is going to Walter Reed National Military Medical Center, former President George W. Bush wrote in an Instagram post. 777

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