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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

TAMPA, Fla. — It's often called the most wonderful time of the year. With Christmas just 10 days away, public health experts are urging families to be cautious around the holiday to help prevent the spread of COVID-19.“If people interpret the vaccine being here as an opportunity to lower their guard, then, unfortunately, we’re going to see more sorrow and death, and those are all preventable,” said USF Health professor Dr. Marissa Levine.Since the Thanksgiving holiday, we’ve recently seen an upward trend in COVID-19 cases in the Tampa Bay area. Dr. Levine points to an increase in hospitalizations, too, though not as steep of an increase as what we saw this summer.“This is happening with Christmas and New Year’s just around the corner, so all bets are off in terms of what happens after that,” said Levine. “That will really depend on what we do between now and the beginning of January.”The CDC says celebrating the holiday virtually or with people you live with poses the lowest risk for spread. It says getting together with family and friends who don’t live with you can increase the chances of getting or spreading COVID-19.If you are having a small gathering, the CDC suggests limiting the number of people, hosting outdoors rather than indoors, and having supplies like extra masks available. If inside, experts recommend opening windows and doors to increase ventilation. “I would really push people to do everything possible to try to keep your distance, and if you can’t, wear your face coverings all the time that you’re not eating,” said Levine.The CDC also says people who have COVID symptoms, are waiting on test results, or are at an increased risk of severe illness should not go to an in-person celebration. If you travel, the CDC says testing does not eliminate all risk, but it can help make travel safer. Still, it says the safest thing to do is to stay home.“I think the real message here is there’s hope. There’s lots of hope ahead. I’m hoping that we’re at the beginning of the end, but the beginning of the end does not mean we can let our guard down,” said Dr. Levine. “In fact, we’re probably going to have to really push to do physical distancing, face masks, and handwashing for a number of months into the future.”This story was first reported by Mary O'Connell at WFTS in Tampa Bay, Florida. 2338

Taylor Swift is spreading the wealth this holiday season and helping some of those struggling to make ends meet during the coronavirus crisis.The pop star donated ,000 to two mothers who’ve fell behind on rent and other bills amid the COVID-19 pandemic, according to multiple reports.NBC News and Billboard report that Swift decided to donate to the struggling mothers’ GoFundMe pages after reading about their situations in an article by The Washington Post.One of the mothers, Nikki Cornwell, told The Post that she was ,000 behind on rent and she feared that she’d be evicted right after Christmas. The Nashville-based mom says she lost her factory job in March and came down with COVID-19 in May. She had been receiving 5 a week of unemployment, but that just ended.According to Cornwell’s fundraising page, Swift donated to her on Wednesday and wrote that she’s brave for sharing her story.“I'm so sorry for everything you've had to go through this year and wanted to send you this gift, from one Nashville girl to another. Love, Taylor,” wrote Swift with her donation.The second mother, Shelbie Selewski, lives in Macomb County, Michigan. She told The Post that she was ,100 behind on rent and utilities after losing her job as a medical receptionist. In order to make ends meet, the mom says she had to sell some of their belongings.Along with their financial troubles, Selewski told The Post that her new baby was born with a collapse lung, which puts the child at high risk for COVID-19.Like with Cornwell, Swift donated to Selewski through a crowdsourcing page.“No one should have to feel the kind of stress that's been put on you. I hope you and your beautiful family have a great holiday season. Love, Taylor,” wrote Swift. 1753

TERRE HAUTE, Ind. (AP) — The Trump administration has carried out its ninth execution of the year and the first during a presidential lame-duck period in 130 years. Federal prison officials in Terre Haute, Indiana, on Thursday, executed a Texas street-gang member for his role in the 1999 slayings of an Iowa religious couple. The case of 40-year-old Brandon Bernard was a rare execution of a person who was in his teens when his crime was committed. Bernard was pronounced dead at 9:27 p.m. Eastern time on Thursday, the AP reported.He was 18 when he and four other teenagers abducted and robbed Todd and Stacie Bagley on their way from a Sunday service in Killeen, Texas. According to the Associated Press, reality TV star Kim Kardashian West had even asked President Trump to commute Bernard’s sentence to life in prison.Bernard's last words, which were directed to the Bagley family, were "I'm sorry," the AP reported.Four more federal executions, including one Friday, are planned in the weeks before President-elect Joe Biden's inauguration. 1055

Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807