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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

Support rally is growing in #ElCentro. The group calls themselves the ‘IB Residents for President Trump Welcome Rally.’ The supporters are hoping the president’s motorcade passes right through here on the way to the border. They’re expecting around 200 people. @realDonaldTrump pic.twitter.com/k5ZclNcCZH— Brian Shlonsky (@10NewsBrian) April 5, 2019 363

Stay up late Monday night watching the Stanley Cup Finals or Monday Night Football? Need a jolt of caffeine to keep you awake through tonight's presidential debate? You're in luck — because Tuesday is National Coffee Day.Several national chains are making it easy to celebrate with a cup of joe on Tuesday by offering freebies or discounts. Below is a list of chains offering deals, according to Offers.com:Barnes & Noble: Nothing beats a good book and a cup of coffee on a brisk fall day. Get off a cup of Starbucks coffee at the bookstore cafes through Sept. 30.Dunkin': The breakfast chain is giving away a free medium hot or iced coffee with any purchase at participating locations.Jack in the Box: The fast-food chain is giving away a free regular hot or iced coffee with any purchase through its app through Oct. 1.Krispy Kreme: Nothing pairs with coffee like a donut and the chain is giving away both on Tuesday. Participating locations are giving away free coffee to all customers — no purchase necessary — on Tuesday, and rewards members can also score a free donut.Peet's Coffee: Homebrewers can get 25% off Peet's coffee beans online and in the chain's coffee bars between Sept. 27 and Sept. 29.Starbucks: Starbucks Rewards members who order through the chain's app on Tuesday will receive a free drink loaded to their account for a future visit. The Coffee Bean & Tea Leaf: Get a free regular coffee with a food or bakery purchase at participating locations on Tuesday.Tim Hortons: Between now and Oct. 26, customers can get any size hot or iced coffee for Starbucks opened the first of its fancy new Reserve stores Tuesday, as it continues battle competition from upscale coffee brands like Blue Bottle and Intelligentsia.The company said the store, which debuted inside its Seattle headquarters, is the first of 1,000 planned Reserve stores.Starbucks described the store concept as "an open, marketplace style" with a Princi bakery counter, a full liquor bar and a Reserve coffee bar, with tables, lounge areas and two fireplaces."Our Reserve store takes the best of coffee craft as well as artisan baking and layers in a marketplace-style customer experience creating a space that has both energy and moments of intimacy," said Liz Muller, senior vice president of Creative, Global Design & Innovation at Starbucks, in a statement.The company said the new products at the Seattle Reserve store include the Nitro Draft Latte, Spiced Ginger Cold Brew and an espresso drink called Bianco Mocha.Starbucks said that its Reserve rollout, which has been in the works since 2016, will also include 20 to 30 new Roasteries, with locations planned for Milan and New York this year, and in Tokyo and Chicago next year. The company said that some of the new Reserve stores will be converted from existing Starbucks stores.The company said it already has dozens of Reserve bars open in existing Starbucks locations. The Reserve bars are different from the Reserve stores. The company said it also plans to open stand-alone Princi stores in Seattle, Chicago and New York.Starbucks has more than 28,000 stores worldwide, according to its latest earnings report in January. But the company's growth of new stores fell below analysts' expectations.Howard Schultz stepped down as Chief Executive Officer last year but stayed with the company to focus on the Reserve brand. Kevin Johnson is the current CEO. 1846.99 when ordering through the chain's app or website.Wawa: Anyone who signs up for Wawa Rewards can cash in for a free coffee of any size on Tuesday. 1731

SUNLAND (CNS) - Firefighters Friday used a helicopter to hoist a horse to safety after the animal became stranded down a hillside on private property in Sunland.Rescuers were sent to the 11300 block of North Oro Vista Avenue shortly before 7 a.m., according to the Los Angeles Fire Department.The 30-year-old male horse, named Sunny, apparently was not injured, but was lying on the ground, and efforts to help him to his feet were unsuccessful, the LAFD reported.A helicopter was brought in, a veterinarian medicated Sunny, and the 800- to 900-pound horse was airlifted on a sling about 10 a.m. to safe ground, where he was to be examined for possible injury. 668

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