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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 90th Academy Awards were held Sunday.The following is a list of nominees with the winners indicted in bold. Photos: Celebrities walk the red carpet at the 2018 OscarsBest Picture 195

Texas Gov. Greg Abbott called for action on Friday in the wake of a deadly school shooting in Santa Fe, Texas."We need to do more than just pray for the victims and their families," said Abbott, a Republican, during a news conference in response to the shooting. "It's time in Texas that we take action to step up and make sure this tragedy is never repeated ever again in the history of the state of Texas."Abbott said he plans to convene "roundtable discussions" next week that will bring together lawmakers and community members with a wide array of perspectives.RELATED: Trump on Texas school shooting: 'This has been going on too long in our country'"Beginning immediately, I'm going to be working with members of the Texas Legislature but also members of our communities across the entire state of Texas, to begin with roundtable discussions beginning next week where we will assemble all stakeholders to begin to work immediately on swift solutions to prevent tragedies like this from ever happening again," Abbott said.The governor added he wants input from parents, students, teachers and gun rights supporters.Abbott suggested he hopes the discussions will lead to legislation: "We want to hear from everybody who has an interest in what has happened today, so we can work together on putting together laws that will protect Second Amendment rights but at the same time ensure that our communities and especially our schools are safer places."Lawmakers across the country condemned the shooting on Friday. President Donald Trump said in remarks from the White House that mass shootings have been "going on too long in our country."Ten people were killed in the shooting Friday morning at Santa Fe High School and another 10 were wounded, Abbott said during his news conference.The governor called it "the worst disaster ever to strike this community."The-CNN-Wire 1881

STUART, Florida — A 29-year-old teacher at Stuart Middle School was arrested Thursday night and charged with sexual battery after incidents with a 13-year-old girl at the school.According to a Martin County Sheriff's Office report, the investigation began when a school resource was alerted on March 27 regarding suspicious behavior involving a seventh-grade math teacher.The teacher, later identified as Jeffrey Tomasulo, was accused of tickling several female students, causing them to feel uncomfortable.Detectives interviewed the girls, who said they were tickled on their stomachs, thighs and armpits. Surveillance video taken outside of Tomasulo's classroom during first period on March 20 showed a 13-year-old seventh-grade girl knocking on his door. At that time, Tomasulo has a planning period and not teaching a class.Video showed the girl entering his classroom 9:15 a.m. At 9:17 a.m., video shows Tomasulo opening the door and checking the outside handle of the door. The girl then leaves the room with Tomasulo at 9:27 a.m. On March 28, the girl's mother was interviewed by a detective. The woman said that her daughter admitted to performing oral sex on Tomasulo in his classroom.The girl told the detective and a state attorney victim advocate that the teacher asked her "creepy" questions about her virginity.She said Tomasulo asked her to stay longer after class and occasionally come to his classroom either during first or last period. The teen said she felt pressured by him and that's why she performed oral sex on him approximately five times from January 4 to March 20.At first, Tomasulo denied any sexual involvement with the girl but did say he was alone with her on several occasions to tutor her.He admitted to watching pornography in his classroom but said he was alone. Eventually, Tomasulo told detectives that the girl performed oral sex on him while alone his classroom.    Tomasulo was charged with sexual battery/custodial authority. He made his first appearance in court Friday morning where his bond was set at 0,000. He remains in jail Friday. 2221

Stephen Hawking, the brilliant British theoretical physicist who overcame a debilitating disease to publish wildly popular books probing the mysteries of the universe, has died, according to a family spokesman. He was 76.Considered by many to be the world's greatest living scientist, Hawking was also a cosmologist, astronomer, mathematician and author of numerous books including the landmark "A Brief History of Time," which has sold more than 10 million copies.Celebrity deaths of 2018: Remembering those we've lost this yearWith fellow physicist Roger Penrose, Hawking merged Einstein's theory of relativity with quantum theory to suggest that space and time would begin with the Big Bang and end in black holes. Hawking also discovered that black holes were not completely black but emit radiation and would likely eventually evaporate and disappear."A star just went out in the cosmos," Lawrence Krauss, a theoretical physicist and cosmologist, wrote on Twitter. "We have lost an amazing human being."Hawking suffered from ALS (amyotrophic lateral sclerosis), a neurodegenerative disease commonly known as Lou Gehrig's Disease, which is usually fatal within a few years. He was diagnosed in 1963, when he was 21, and doctors initially only gave him a few years to live.The disease left Hawking wheelchair-bound and paralyzed. He was able to move only a few fingers on one hand and was completely dependent on others or on technology for virtually everything -- bathing, dressing, eating, even speech.Hawking used a speech synthesizer that allowed him to speak in a computerized voice with an American accent."I try to lead as normal a life as possible, and not think about my condition, or regret the things it prevents me from doing, which are not that many," he wrote on his website."I have been lucky that my condition has progressed more slowly than is often the case. But it shows that one need not lose hope."Hawking was married twice. He and his first wife, Jane Wilde, wed when he was still a grad student and remained together for 30 years before divorcing in 1995. Hawking was later married for 11 years to Elaine Mason, one of his former nurses.Hawking was born in Oxford, England, on what turned out to be an auspicious date: January 8, 1942 -- the 300th anniversary of the death of astronomer and physicist Galileo Galilei.In an exclusive interview with CNN in October 2008, Hawking said that if humans can survive the next 200 years and learn to live in space, then our future will be bright."I believe that the long-term future of the human race must be in space," Hawking told CNN's Becky Anderson."It will be difficult enough to avoid disaster on planet Earth in the next 100 years, let alone next thousand, or million. The human race shouldn't have all its eggs in one basket, or on one planet. Let's hope we can avoid dropping the basket until we have spread the load."At Cambridge, he held the position of Lucasian Professor of Mathematics -- the prestigious post held from 1669 to 1702 by Sir Isaac Newton, widely considered one of the greatest scientists in modern history.Yet Hawking once said if he had the chance to meet Newton or Marilyn Monroe, he would opt for the movie star.Hawking became a hero to math and science geeks and pop culture figure, guest-starring as himself on "Star Trek: The Next Generation" and "The Simpsons." His life was dramatized in the 2014 movie, "The Theory of Everything."He had at least 12 honorary degrees and was awarded the CBE in 1982. A CBE, or Commander in the Most Excellent Order of the British Empire, is considered a major honor for a British citizen and is one rank below knighthood.Despite being a British citizen he was awarded the Presidential Medal of Freedom, the US's highest civilian honor, in 2009 by President Barack Obama.In September 2016 Hawking joined 375 "concerned" scientists in penning an open letter criticizing then-presidential candidate Donald Trump, citing the threat of climate change and blasting his push for the US to leave the Paris Accord.Fellow scientists hailed Hawking for his work and influence in the field."His passing has left an intellectual vacuum in his wake," tweeted Neil deGrasse Tyson. "But it's not empty. Think of it as a kind of vacuum energy permeating the fabric of spacetime that defies measure."Hawking leaves behind three children and three grandchildren. "We are deeply saddened that our beloved father passed away today," Hawking's children, Lucy, Robert and Tim, said in a statement. "He was a great scientist and an extraordinary man whose work and legacy will live on for many years. His courage and persistence with his brilliance and humor inspired people across the world.""He once said, 'It would not be much of a universe if it wasn't home to the people you love.' We will miss him forever."The-CNN-Wire 4846