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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

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 Stay-at-home orders, lockdowns, and concerns about traveling to new cities and locations during the coronavirus pandemic may have many people dreaming of world travel in 2021 and beyond.To help with those vision boards and future planning, National Geographic has released their annual “best of the world” list of destinations on the rise. Their 2021 list features “25 amazing places to inspire future journeys and remind us why we love to travel.”The publication focused on five categories to narrow down their list of suggested destinations: sustainability, family, nature, adventure and culture.The list includes majestic mountainous hikes in Katmai National Park in Alaska, Los Glaciares National Park in Argentina, and the Svaneti region in the country of Georgia.Staying closer to home, the list includes domestic cultural locations that offer up historic reminders of race relations and our culturally diverse world: the Pueblo Nations in New Mexico, historic sites in Tulsa, indigenous cultures in British Columbia, and Chamoru culture in Guam.Or take in the wonder of nature at Isle Royale in Michigan, Yellowknife in Canada’s Northwest Territories, or visit a 5th Century shipwreck and marine haven in Greece.“The joy of travel comes from the unexpected. Now is the time to dream of your next journey and lay the foundation for your next trip. We hope our list of the new year’s most important places will inspire you. We look forward to seeing you out in the world soon!” National Geographic editors posted on their website. 1543.99 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

TAHLEQUAH, Okla. - The Cherokee Nation issued a statement on Massachusetts Senator Elizabeth Warren's DNA test results.Warren released her DNA report in response to President Donald Trump taunting her for her saying she was part Native American.Warren released her 23 and Me report and it stated that "the great majority of (Warren's) identifiable ancestry is European." However, the report adds, "The analysis also identified 5 genetic segments as Native American in origin at high confidence."This afternoon the Cherokee Nation released a statement that said in part that DNA tests are useless in determining tribal citizenship and people using DNA to connect themselves to Cherokee Nation is inappropriate.You can read the full statement below: 760

Students have powered on as best they can during the pandemic. Handling remote learning and adjusted teaching methods. Now, some schools are partnering with local industry leaders to help make some classes more hands-on, even while taking classes from home."We have several auto-shop classes. Auto shop is completely hands-on, right? Kids need to be in the grease, they need to be on the tools. And so, it's been very difficult. So we've actually had some teachers that actually put together tool kits and checked them out to students where they can tinker with things at home," said Dr. Jamon Peariso, the Director of College and Career Readiness at Visalia Unified School District.Dr. Peariso says continuing career technical education, also known as CTE, at school has been difficult during remote learning. Danny Corwin, with Harbor Freight Tools, says they're here to help with their Tools for Schools program."We wanted to come up with creative ideas to help both the teachers and the students and the parents trying to support their kids. Fortunately, we have a group of incredibly inventive and genius teachers and we wanted to provide them with the tools and other supports to allow them to do what they do best," said Corwin.Bob Kilmer, an Educational Consultant for Harbor Freight Tools, said in an auto shop tool kit kids would receive "everything from code readers to socket sets to hand wrenches to bolt readers. So, they can continue to do a variety of hands-on projects related to a car and things you could do with a car."After teaching skilled trades classes at the high school level for 35 years, Bob Kilmer is now an Educational Consultant for Harbor Freight Tools. Harbor Freight's foundation has handed out more than 3,600 tool kits to teachers all across the country."The great part about the project was that those 53 teachers in those 12 states got a choice of what they could put in the kit for their particular discipline and the automotive kit is different than the welding kit, which is different than the construction and architecture kit, which is different than the robotics kit or the mega-tronics kit," said Kilmer.For school districts like Visalia Unified, the kits couldn't have come at a better time."There's a lot of companies like that that are coming out with more interactive-type educational tools that do a pretty good job considering the kids are locked in their room or house doing the course. That’s something I’m excited about and we’re utilizing that as much as possible in their pathways," said Dr. Peariso.For companies like Harbor Freight Tools, these tools are crucial for engaging students in an industry that needs them. Corwin says one in every three skilled trade workers across the country will be retiring within the next ten years. And they don't want the COVID-19 pandemic to slow down efforts to build up a new workforce for the industry."We've got to address the pipeline and we've got to ensure young people are exposed to the trades in high school and have a pathway to continue the work that they love, that they’re good at. And be able to contribute to our economy in the future," said Corwin.Corwin says many skilled trade jobs have been essential during the pandemic and it's exciting to still see students engaging in hands-on work even if they're doing it from home. 3344

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