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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

The American Automobile Association (AAA) expects at least 34 million less people will travel this holiday season than last year due to the ongoing COVID-19 pandemic.Public health concerns and travel guidance are influencing decisions not to travel during a time when people often take vacations. The Centers for Disease Control and Prevention (CDC) is urging Americans not to go anywhere for the holidays this year, warning that it could increase your chance of getting and spreading COVID-19.Still, AAA projects as many as 84.5 million Americans may travel from Dec. 23 through Jan. 3, a decline of at least 29%.As for methods of travel, AAA says most Americans who do go somewhere in the next few weeks will do so by car, with road trips accounting for 96% of holiday travel. Up to 81 million Americans will travel by car, a decline of at least 25% compared to last year, according to AAA.As has been the trend this year, far less people will fly this holiday season. AAA says as many as 2.9 million travelers are expected to book flights for the holidays, a decline of nearly 60% from 2019.For those who do choose to travel despite the risks, it’s important to take steps that can help keep yourself and others safe.AAA says to plan ahead by checking with state and local officials along your route and at your destination to learn about local guidance and any restrictions in place. That includes what’s expected of you when you return home. Many places require COVID-19 testing prior to and after travel.The CDC recommends taking a COVID-19 test one to three days before travel and another three to five days after travel, in addition to reducing nonessential activities for seven days after traveling.When packing, make sure you include face masks, disinfecting wipes, hand sanitizer and a thermometer. It might also be a good idea to pack water and extra snacks to reduce the need to stop along your trip.If you’re staying at a hotel, AAA recommends calling ahead to ensure it’s open and to ask what precautions are being taken to protect guests. If you’re renting a vehicle, you may want to ask about how it’s been cleaned. 2140

TAMPA, Fla. -- A Tampa man is speaking to national supermarket chains after inventing a device to sanitize shopping carts.Adam Labadie created a product known as "The Arch Cart Sanitizer." The device sanitizes shopping carts in a few seconds. It uses an organic, EPA, FDA approved solution to kill COVID-19. "We ship a dry package to the store. We don't ship liquid across the country," he said.Studies show shopping cart handles have bacteria on them. It is one of the most commonly touched items in a store."Customers now are expecting a clean cart. They expect a clean store and a clean cart," said Labadie. Labadie said he first noticed a trash can full of used wipes at a local grocery store. He also saw a lot of trash while snorkeling and diving in Florida."I went and I looked at the trash can. It was a full trash can full of wipes," he said."I wanted to find another solution," he added.Labadie said his invention could help eliminate the use of wipes at grocery stores. He hopes to start production in the next few weeks."We'll be sending out free demos, free demos to grocers...some in the Northeast and some in the South in about 3 weeks so it's super exciting for me. It means I get to showcase my baby," said Labadie. The father of two was laid off at the start of the pandemic. He began working on his invention. He said he spends 15 hours working in the garage or on his computer."Failure is always part of life and you just try to challenge yourself, figure out the next thing," he said."November, December, hopefully, we'll start seeing it in some stores," Labadie added.This story was first reported by Julie Salomone at WFTS in Tampa, Florida. 1729

The 52nd Annual Country Music Association Awards were held Wednesday at Bridgestone Arena in Nashville, Tennessee.The following is a list of this year's nominees and winners. 182

TAMPA, Fla. (AP) — A Florida teen identified as the mastermind of scheme that gained control of Twitter accounts of politicians, celebrities and technology moguls has pleaded not guilty to multiple counts of fraud. Seventeen-year-old Graham Clark is accused of using the hijacked Twitter accounts to scam people around the world out of more than 0,000 in Bitcoin. He faces numerous charges including 17 counts of communications fraud and 11 counts of fraudulent use of personal information. Two other men were also charged in the case. Mason Sheppard, 19, of Bognor Regis, U.K., and Nima Fazeli, 22, of Orlando were charged separately last week in California federal court.Court papers in the California cases say Fazeli and Sheppard brokered the sale of Twitter accounts stolen by a hacker who identified himself as “Kirk,” and said he could “reset, swap and control any Twitter account at will” in exchange for cybercurrency payments, claiming to be a Twitter employee.The documents do not specify Kirk’s real identity but say he is a teen being prosecuted in the Tampa area.Twitter has said the hacker gained access to a company dashboard that manages accounts by using social engineering and spear-phishing smartphones to obtain credentials from “a small number” of Twitter employees “to gain access to our internal systems.” Spear-phishing uses email or other messaging to deceive people into sharing access credentials.The prosecution believes Clark called a Twitter employee and was able to convince the employee he was a coworker, according to the Wall Street Journal.A blog post from Twitter last week shared some details of the hack. "Using the credentials of employees with access to these tools, the attackers targeted 130 Twitter accounts, ultimately Tweeting from 45, accessing the DM inbox of 36, and downloading the Twitter Data of 7." Clark was arrested Friday and entered the not-guilty pleas Tuesday. He remains in jail with bond set at 5,000. A bond hearing is set for Wednesday. 2013

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