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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 BlackBerry phone, which many of us probably thought was a thing of the past, is officially coming back.OnwardMobility announced on Wednesday that the phone would be manufactured by FIH Mobile, which is a subsidiary of Foxconn Technology.“Enterprise professionals are eager for secure 5G devices that enable productivity, without sacrificing the user experience,” said Peter Franklin, CEO of OnwardMobility in a press release. “BlackBerry smartphones are known for protecting communications, privacy, and data. This is an incredible opportunity for OnwardMobility to bring next-generation 5G devices to market with the backing of BlackBerry and FIH Mobile.”No details of the new phone are known, but it will run on the Android operating system, the company said.The company added that it would have "government-level security.""BlackBerry is thrilled OnwardMobility will deliver a BlackBerry 5G smartphone device with a physical keyboard leveraging our high standards of trust and security synonymous with our brand," said John Chen, Executive Chairman and CEO, BlackBerry, in the release. "We are excited that customers will experience the enterprise and government level security and mobile productivity the new BlackBerry 5G smartphone will offer.”The 5G BlackBerry device will debut sometime next year. 1317

Talk show host Ellen DeGeneres has reportedly fired three “Ellen” producers amid allegations of a toxic work environment and sexual harassment by the producers. Variety and Hollywood Reporter confirmed the news on Monday.Hollywood Reporter reported it obtained an email sent to “Ellen” staffers by DeGeneres that producers Ed Glavin, Kevin Leman and Jonathan Norman were dismissed from the program.According to the note obtained by Hollywood Reporter, "I’m so, so sorry for what this has become. I’ve left this to be a well-oiled machine, and I realize it’s not a machine…its human beings."The note continued, "I apologize for anyone who’s feelings I’ve hurt. I’m not perfect. I’m multi-layered and I learn from my mistakes. I care about each and every one of you. I’m grateful for each and every one of you."Mary Connelly and Andy Lassner will remain as top producers of the program.Recently, Buzzfeed News ran a report detailing accounts from 30 staffers of a hostile work environment amid allegations of sexual harassment by the three now fired producers.In a response to Buzzfeed, both Leman and Norman denied the allegations. 1138

The Airport Authority is investigating an ‘unusual substance’ found in some soap dispensers at the Detroit Metropolitan Airport.DTW and the Airport Authority released this brief statement: “Our Public Safety Department is investigating an unusual substance found in a few of our soap dispensers during the last week. The Airport Authority takes incidents involving health and safety very seriously. We are in the process of installing new, tamper-proof soap dispensers and are more frequently monitoring our restrooms.”An airport worker says she thinks the Airport Authority should be more up front as to what the substance is."They should say exactly what it is, they should let us know, we need to know it's important,” said Theresa Sleiman.   763

TEMPE, Ariz. — A Tempe bar is under investigation for allegedly allowing employees who had tested positive for COVID-19 to continue working, as well as allegedly violating the governor's executive order to enforce social distancing measures, the Arizona Department of Liquor Licenses and Control said Thursday.According to a news release, Varsity Tavern, a bar and restaurant in downtown Tempe, reportedly told the Arizona Department of Liquor on Wednesday that it had closed in light of the investigation. Its license has been deemed inactive, which prevents the business from buying or selling alcohol.John Cocca, director of the department, will seek to revoke the venue's liquor license, the news release said.Varsity Tavern faces the following alleged violations:Multiple instances where management required or permitted employees who had tested positive for COVID-19 to continue workingManagement failed to take appropriate measures to notify the Arizona Department of Health Services (ADHS) or other agencies, employees, or customers that employees who had tested positive had worked while symptomaticManagement failed to create or enforce written policies in compliance with the executive order, CDC or ADHS guidelinesManagement failed to enforce social distancing guidelines requiring masks or limiting groups to gatherDepending on the outcome of the investigation, penalties could include suspension or revocation of the bar's liquor license, and up to ,000 in fines per violation, according to the notice given to Varsity Tavern.Because of the seriousness of the charges, anyone with information is asked to call the Department's Investigations Division at 602-542-9062. 1691