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Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959

With his spring break just hours away, Central Michigan University student James Eric Davis Jr. was with his parents in a campus residence hall Friday morning when he shot them dead, police say.Davis Jr., 19, shot and killed his mother and father in the dorm on the northwestern edge of campus Friday morning, authorities said, leading to an hours-long manhunt that ended with his arrest early Saturday.It was the nation's 12th school shooting this year.It's not immediately clear what led to the shooting or why the parents, James Eric Davis Sr., 48, and Diva Jeenen Davis, 47, were on campus in Mount Pleasant, a roughly four-hour drive from their Chicago-area home.But authorities said the student had an encounter with police hours earlier -- on Thursday evening when he was taken to a hospital for what officers believed was a bad reaction to drugs, campus police Lt. Larry Klaus said.And the parents may have been intending to pick up their son for spring break, said Andre Harvey, mayor of the Chicago suburb of Bellwood, where the elder Davis was a part-time officer."The family is in shock and trying to piece everything together," a relative, speaking on condition of anonymity, told CNN.Arrest comes after midnightDetails about the younger Davis' arrest weren't immediately clear. But it came early Saturday after someone reporting seeing him on or near campus, the university said."The suspect was seen and reported by an individual on a train passing through the north end of campus shortly after midnight," the university said in an online statement. "Law enforcement personnel responded and arrested the suspect without incident."The shooting, which happened on Campbell Hall's fourth floor around 8:30 a.m. Friday, disrupted a campus that otherwise was winding down for a nine-day spring recess beginning Saturday.Students were told to stay in campus buildings until the afternoon when police officers started allowing them to leave. People trying to enter the campus to pick up students for spring break were initially directed to a campus-area hotel, where the university asked them to wait for instructions.The university's men's basketball home game Friday against Western Michigan University was rescheduled for Saturday morning at a neutral site, Northwood University, where it will be closed to the public except for family members, the Mid-American Conference said.The university, with roughly 23,000 students, is about a two-hour drive northwest of Detroit.Student had 'drug-related' incident earlier, police sayCampus police spoke with Davis Jr. on Thursday night, Klaus said during a news conference."At some point in the evening, he was transported to McLaren Hospital due to what the officers believed may be a drug-related-type incident, an overdose or a bad reaction to drugs. At that point he was released to the hospital staff," Klaus said.As for Friday's shooting, "we're calling it a family-type domestic issue at this point," he said.The victimsThe Davis family was from the Chicago area. Davis Jr. graduated from a high school in Plainfield, Illinois, about 30 miles southwest of Chicago, in 2016, said Tony Hernandez, Plainfield school district spokesman.His father was a part-time police officer in Bellwood for 20 years and assisted the department on special occasions."He was always there when you asked for him to be there," Bellwood police Chief Jiminez Allen said.The elder Davis was a pillar of the community, which has 20,000 residents, and was beloved by friends and neighbors, said Harvey, Bellwood's mayor.An Army veteran, he was also a police officer employed at the Jesse Brown VA Medical Center in Chicago, said center director Marc Magill."The staff at Jesse Brown VAMC take enormous pride in the care we provide our Veterans, and this situation hits us especially hard. We are currently providing grief counseling for staff," Magill said.The violence came more than two weeks after a shooting rampage at Marjory Stoneman Douglas High School in Parkland, Florida, left 17 people dead and spurred a national debate over gun control.Nine weeks into the year and 12 school shootingsCNN's calculation of the number of school shootings include shootings on school property that involve one or more victims and other factors. These can also be domestic violence incidents.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 4423

WEST PALM BEACH, Florida — A Delta Airlines flight from Detroit, Michigan to West Palm Beach, Florida has landed safely after blowing a tire.Delta flight 1930 departed Detroit Metro Airport at 8:30 a.m. and landed at Palm Beach International Airport just after 11 a.m. Eastern.An airport spokesperson told WXYZ in Detroit that crews responded to a level two alert, which indicated a mechanical malfunction of some kind.Video shows the plane taxied safely to the gate where it was surrounded by emergency vehicles.No one was injured. It's not clear how many people were on the plane. 595

While we're all focused on COVID-19 as we head back to school this fall, Patti Wukovits is focusing on Meningitis B.“She loved to entertain and make people laugh. She enjoyed life. When I think of Kim the one word that comes to mind is joy,” said Wukovits. It's still painful for Wukovits to talk about her only daughter. Kimberly Coffey was a high school senior who was in her last two weeks of school. She'd been accepted to nursing school and was ready to launch her career. She wanted to follow in her mom's footsteps and be a nurse. One day she came home from school with a fever.“By the next morning she wasn’t fine at all. She said 'mommy everything hurts from my eyelashes to my toes.' This is really, really bad. She couldn’t pull her head off the pillow and was completely lethargic,” Wukovits recounted. Kimberly told her mom that it felt like her ankles were bleeding. Patti saw purple dots and rushed her daughter to the emergency room. “One of the doctors pulled me aside and said 'we believe your daughter had bacterial meningitis.' I said 'That’s not possible. I made sure Kim was vaccinated with the meningitis vaccine.'”She learned that Kim wasn't fully protected. "At the time, in 2012, when she got sick we didn’t have a Meningitis B vaccine in the United States so I couldn’t protect her with that. She didn’t have the privilege of having a Meningitis B vaccine."Doctor Paul Offit, Professor of Pediatrics at Children's Hospital of Philadelphia says it's a vaccine that's necessary and reduces your chances of the type of pain, loss and suffering that Patti lives with everyday.“There’s five different strains that causes these, one vaccine prevents 4 of them: a, c, w, y and then there’s a b category, so 5- A, c, y,w and b. A few of the vaccines just do a c w and y and couple just do b, so 2 vaccines to prevent all 5 strains,” said Dr. Offit. Wukovits says, "her organs were failing and she was in septic shock and she went into cardiac arrest this is a child who was just in her classroom the day before talking with her friends about prom and how her beautiful dress was on her closet door and excited about graduation and starting nursing school.”Out of Kimberly's tragedy - came the Kimberly Coffey Foundation and the Meningitis B Action Project. “I am promoting awareness of her story so that this does not happen to anyone else. It does not have to happen any longer, we have a vaccine and it should not be happening. We shouldn’t lose one more child. But again, if parents don’t know about it we might not know to ask about it,” Wukovits said.Even in the COVID-19 era, Wukovits is doing webinars, educating everyone about the two separate vaccines, and empowering parents and families to have the conversation before they head back to school this fall. “I know we’re making a difference I know that. Kimberly’s dream was to be a pediatric nurse and save children’s lives and this is not how she or I planned she would save children’s lives but she still is and through me. I’m her voice.”A powerful message from a mom on a mission to save lives, just like Kim would have wanted. 3118

What's in a name? A lot, if you happen to be a member of Britain's royal family.As the Duke and Duchess of Cambridge on Monday announced the arrival of their son and third child, speculation turned to a possible name.The baby boy was born at St. Mary's Hospital in London at 11 a.m. local time, Kensington Palace said in a statement.But as with the royal couple's older children, Prince George, 4, and Princess Charlotte, 2, it is likely to be a few days until a name is announced.Among the bookmaker's favorites for the boy, who will be fifth in line to the throne, are Arthur, Albert and James.Tradition plays a huge role when choosing a royal name. Albert could be a nod to both Queen Victoria's husband, Prince Albert, and Queen Elizabeth II's father, King George VI, who was called Albert until his accession to the throne."We haven't had so many called Arthur, but it does hark back to the mythical first king of Britain," said royal commentator Kate Williams.Given Prince William and Catherine's previous choices, royal commentators are predicting the couple will stick with a traditional name for their third child."George and Charlotte are very traditional, historic, English names," said Williams. "Although this is slightly different in that their first child, Prince George, is likely to be the monarch, and this child will likely not. So they can be a little bit different with the name."The latest edition to the royal family is fifth in line to the throne -- after his grandfather Prince Charles, father William and two siblings -- bumping William's brother Prince Harry further down the order.A change in the law in 2011, after William and Kate were married, gave women the same rights of accession to the throne as men.Whichever name the Duke and Duchess choose, it will first need to be cleared with Queen Elizabeth II, though ultimately the final decision rests with the parents."The Queen has the power to say what their title is -- she'll decree that they are the Prince of Cambridge," explained Williams."But in the case of names, it is more of an informal conversation. Of course they have such respect for the Queen that if she says 'I really don't like that name,' they'd definitely take that into account," Williams added.One thing is certain, their chosen name is likely to shoot to the top of British baby name lists -- as it did with George and Charlotte.And with the royal wedding of Prince Harry and Meghan Markle set to take place on May 19, Williams had one final prediction: "I wouldn't be surprised if Harry and Meghan are popular baby names in the coming year."  2611