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Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959

When "Saturday Night Live" returns to the airwaves in October, they'll be "live from New York" once again.The comedy sketch show announced it on Twitter with a 12-second video. 184

Wisconsin Gov. Tony Evers and the Department of Health Services issued a new order Tuesday limiting the capacity of bars, restaurants and stores in the state to 25% on Tuesday, as Wisconsin becomes a hot spot for COVID-19 in the U.S.Evers directed DHS Secretary-Designee Andrea Palm to issue the order Tuesday afternoon.The order is capping capacity to 25% in public spaces beginning on Thursday. Gatherings in indoor spaces without an occupancy limit are limited to 10 people."We're seeing increased COVID-19 hospitalizations across the state, and every region is reporting current and imminent hospital staffing shortages in one or more of their facilities," Palm said.Wisconsin has become a hot spot for coronavirus cases in the country after schools reopened this fall. The state has tallied record numbers of cases, hospitalizations and deaths in recent days. Areas that have been hit particularly hard include the state's two largest cities — Milwaukee and Madison — as well as smaller cities like Fox Valley, Green Bay and Wausau.The governor's top attorney, Ryan Nilsestuen, says he's confident the restrictions will withstand legal challenges from the GOP-controlled legislature. Evers' "Safer at Home: order issued last March was eventually blocked by the Wisconsin Supreme Court, after the legislature raised objections with a potential overreach of authority by the health department and the governor's office.“At the end of the day, doing orders and having them challenged in court maybe makes for great theater,” Evers said during a press conference Tuesday. “But it frankly does nothing in making sure people are safer in the state of Wisconsin.”The order goes into effect at 8 a.m. local time on Thursday and will remain in effect until Nov. 6. Violators could face forfeitures of up to 0, according to the governor.The order does not apply to outdoor spaces.The DHS tallied 2,020 new cases on Tuesday and 18 new deaths caused by complications from the coronavirus. Wisconsin has recorded 136,379 confirmed cases and 1,399 deaths since the pandemic began.“We’re in a crisis right now and need to immediately change our behavior to save lives,” Evers said in a statement. “We are continuing to experience a surge in cases and many of our hospitals are overwhelmed, and I believe limiting indoor public gatherings will help slow the spread of this virus. Folks, we need your help and we need all Wisconsinites to work together during this difficult time. The sooner we get control of this virus, the sooner our economy, communities, and state can bounce back.”Criticism to the news was swift. State Rep. Shae Sortwell, R-Two Rivers, went after the new orders in a Facebook video."Apparently he’s bound to determine to just completely destroy the hospitality industry in the state of Wisconsin because that’s what he’s looking to do here," Sortwell said.The Wisconsin Manufacturers & Commerce issued a statement in response to the new order."Unfortunately, Gov. Evers’ order will cause even more harm to already-suffering businesses while failing to actually slow the spread of COVID-19 in Wisconsin," the business association said in a statement.The Metropolitan Milwaukee Association of Commerce also released a statement following the new orders."The measures introduced today by Governor Evers are well-intentioned, but are a blunt instrument that knocks down too many business establishments in metro Milwaukee that have gone to great lengths to develop comprehensive operational safety plans and have had them approved by the Milwaukee Public Health Department," the association said.Read the full order below:FULL ORDER.pdf by TODAY'S TMJ4Read the full FAQ below:FAQs.pdf by TODAY'S TMJ4"The Society supports the Department of Health Services’ action to temporarily limit indoor public gatherings because the state simply must halt its current trajectory," the society said. "We want to continue being the state leading the country in high-quality health care, not having one of the highest COVID-19 infection rates in the country.”You can read their full statement below.This story was originally published by Mayra Monroy and Jackson Danbeck on WTMJ in Milwaukee. 4200

Widespread flash flooding along small streams, urban areas, and roadways is expected to begin this afternoon into Thursday from far eastern Texas, across Louisiana and Arkansas. This will also lead to minor to isolated moderate freshwater river flooding. #Laura pic.twitter.com/z71y3icU29— National Hurricane Center (@NHC_Atlantic) August 26, 2020 356

When a vaccine is approved, who will get it? How will it get to them?Johns Hopkins has a plan to make front line workers and those most vulnerable first in line. Other experts say that may not be the best approach.“It may be better to immunize people who are at high risk of transmitting the virus both because of jobs, living situations and other circumstances,” said Dr. Ezekiel Emanuel while speaking with the head of the Journal of the American Medical Association. “And that I think we have to leave an open mind and look at some detailed modeling about what the best way is to reduce the premature mortality.”Emanuel says transmission between health care workers and patients is basically zero where he is. He says effective PPE use is the reason.The groups Johns Hopkins said should get a vaccine first could be as big as 90 million people.Emanuel says there won't be enough doses out of the gate to get all of any initial groups.“You don’t actually distribute it evenly among countries,” he said. “You concentrate on countries that at the moment when you have the vaccine have severe hot spots and where the vaccine is going to make the biggest difference in terms of reducing premature death.”Johns Hopkins experts say a vaccine's effectiveness is measured on preventing disease. That doesn't mean it prevents infection and transmission. We won’t know how effective it will be until after it’s in use.“A disease transmission strategy makes a lot of sense, but we need a lot more information before we can know who to prioritize,” said Dr. Eric Toner, a senior scholar at the Johns Hopkins Center for Health Security. “It’s quite possible we will go to a strategy like that.”The World Health Organization said younger people in their 20s, 30s and 40s are increasingly driving spread.The first vaccines will likely be two doses. Experts say that means double the syringes, needles, vials and other supplies, along with getting people to come back for a second dose. 1980

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