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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

TEGUCIGALPA, Honduras (AP) — Hurricane Iota has battered Nicaragua’s Caribbean coast and flooded some stretches of neighboring Honduras that were still under water from Hurricane Eta two weeks earlier. The extent of the damage was unclear because much of the affected region was without electricity and phone and internet service, and strong winds hampered radio transmissions.Officials reported at least four deaths around the region, and said other people were unaccounted for.Aid agencies struggled to reach their local contacts, and the government said in a statement that at least 35 towns in the east and north had no phone service. Nicaragua’s telecommunications ministry said phone and broadband provider Columbus Networks was offline because of flooding in Bilwi.Preliminary reports from the coast included toppled trees and electric poles and roofs stripped from homes and businesses, said Guillermo González, director of Nicaragua’s emergency management agency. More than 40,000 people were in shelters.Iota had intensified into a Category 5 storm, but it weakened as it neared the coast and made landfall with maximum sustained winds of 155 mph (250 kph) early Tuesday morning. The system came ashore as a Category 4 hurricane about 30 miles (45 kilometers) south of the Nicaraguan city of Puerto Cabezas, also known as Bilwi. That was just 15 miles (25 kilometers) south of where Hurricane Eta made landfall Nov. 3, also as a Category 4 storm.By Tuesday night, Iota had diminished to a tropical storm and was moving inland over northern Nicaragua and southern Honduras. It had maximum sustained winds of 40 mph (65 kph) and was spinning westward at 12 mph (19 kph). 1686

TAMPA, Fla. — A Tampa Catholic school experienced heightened police presence and low attendance Tuesday after a former contracted employee threatened violence on campus. "When I first walked into school there was like eight people and then like they kept saying there was like police and a lockdown drill will happen," said Sofia Diaco, a fourth-grade student at Academy of the Holy Names. Tampa Police advised school officials at Academy of the Holy Names to operate on a modified lockdown Tuesday as they searched for the person who threatened to "shoot up the school.""There's no question that when you hear about such a specific and violent threat, you worry about your children's safety and you entrust that safety to the school," said parent Dan Diaco. Ainya Smalls, 23, was arrested for making the threat in front of students and staff as a supervisor escorted her off campus after being terminated on Monday. Smalls worked for a cleaning company hired by the school. "A lot of people were scared, some post-traumatic issues from some of the children, and some of the parents to be honest," Diaco said. Scripps station WFTS in Tampa has learned, Smalls already had a warrant out for her arrest for criminal mischief while she worked at the historic Catholic school. Officials say Smalls passed a Level 2 background check provided by the cleaning company. But after this incident, they will now conduct their own screenings for all contracted employees and plan on re-screening every member of the cleaning staff. "I think the Academy's new policy of taking control of the background checks is a wonderful remedy to help prevent something like this from happening again," Diaco said. "It's no guarantee, but it's certainly an improved layer of protection." The following was sent out following the incident: School officials will hold a meeting for parents starting at 6 p.m. Thursday in the Brady Center to discuss the school threat.  2034

Tennis superstar Serena Williams says she found out her sister's killer had been released from prison minutes before her loss to Johanna Konta last month.The 6-1 6-0 defeat to Konta in the opening round of the Silicon Valley Classic was the worst of Williams' 23-year career.In an interview with Time Magazine, the 23-time grand slam champion said she was scrolling through Instagram 10 minutes before her match and learned the killer had been released on parole."I couldn't shake it out of my mind," the 36 year-old said.Robert Maxfield was jailed for 15 years in April 2006 for the shooting of Yetunde Price -- Williams' older half-sister -- in 2003 in Compton, Los Angeles.Price was 31 at the time of her death and had three children aged 11, 9 and 5. 762

STOCKHOLM — Americans Paul R. Milgrom and Robert B. Wilson have won the Nobel Prize in economics for “improvements to auction theory and inventions of new auction formats.” The Nobel Committee said their discoveries have benefitted sellers, buyers and taxpayers. Monday's award comes as much of the world experiences the worst recession since World War II because of the impact of the coronavirus pandemic. The award caps a week of Nobel Prizes and is technically known as the Sveriges Riksbank Prize in Economic Sciences in Memory of Alfred Nobel. Since its establishment in 1969, it has been awarded 51 times and is now widely considered one of the Nobel prizes. 672