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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 49-year-old son of a prominent Macomb County, Michigan judge faces first-degree murder charges in the death of his father, whose body was found on a Florida golf course. Police said James Scandirito Jr. quickly became a suspect in the case after he called the Boca Raton police on April 1 to report his father, James "Skip" Scandirito Sr., missing. The son said his father never returned home on March 31, but Scandirito Jr.'s story had inconsistencies, according to police. Scandirito Sr.'s body was later discovered at an abandoned golf course in Boca Raton. The Alachua County police arrested Scandirito Jr. after he was seen driving his vehicle with stolen license plates. He's being held without bond in his father's death. Scandirito Sr. represented Harrison Township on the Macomb County Board of Commissioners in the 1990s and was later elected to serve as a judge in 41B District Court in Mount Clemens.  1000

State Superintendent Tony Evers defeated incumbent Gov. Scott Walker and will become the next governor of Wisconsin. Evers, a Democrat, won with 50 percent of the vote over the Republican governor Walker. The two were locked in a tight race, with the latest Marquette University Law poll showing the race at a dead heat. Walker has served as Wisconsin’s governor since 2011. Walker and Evers traded barbs over a number of topics, including healthcare. The two disagreed on whether Republicans would keep pre-existing conditions in the healthcare policy while dismantling other portions of the Affordable Care Act. A key element of Walker’s campaign was the issue of taxes, claiming if elected Evers would certainly raise them. In particular, he said Evers would raise the gas tax in the state of Wisconsin. Evers denied having such plans days before Election Day. The two also focused on education in Wisconsin. Evers, the state superintendent, said in a rally the night before the election he planned for a .5 billion increase in K-12 education. Walker touted his most recent school budget, which he claims gave 0 more per student.  1181

SUFFOLK COUNTY, N.Y. -- Dozens of people tested positive for the coronavirus and hundreds were quarantined after an outbreak in Suffolk County, New York, linked to a sweet 16 party, County Executive Steve Bellone said Tuesday.The party took place at the Miller Place Inn on Sept. 25, with a guest list of 81 people.The Miller Place Inn was fined ,000 for violating state executive orders and health laws, and ,000 for violating county rules.Several positive COVID-19 cases in the Sachem School District were reported to the county on Sept. 30, and during the course of their investigation, the county discovered that the cases were connected to the sweet 16 party.Following a contact tracing investigation, the county identified 37 positive cases connected to the party; 270 people were told to quarantine.It's the first time a businesses was fined by the Suffolk County Health Department over COVID-19-related violations.Bellone said that for the county, this qualifies as a super spreader event.“This was an egregious violation and should serve as a stark reminder of the consequences that exist for flouting COVID-19 protocols,” said Bellone. “These rules and regulations exist for a reason - to keep New Yorkers safe - and we all have an obligation to act responsibly.”This story was originally published by Corey Crockett at WPIX. 1348

Supreme Court nominee Amy Coney Barrett was diagnosed with COVID-19 earlier this year but has since recovered, according to reports from The Washington Post and CNN.Barrett was reportedly diagnosed with the virus in the summer. According to White House officials, Barrett tested negative for COVID-19 on Friday morning.President Donald Trump nominated Barrett to take Justice Ruth Bader Ginsburg's spot on the Supreme Court at a ceremony at the White House on Saturday. At least one attendee at that event, University of Notre Dame President Rev. John Jenkins, has since tested positive for COVID-19, though it's not clear how or when he contracted the virus.In addition to her work as a judge on the U.S. 7th Circuit Court of Appeals, Barrett is also a faculty member at Notre Dame.Trump himself announced early Friday morning that he had contracted COVID-19. He's reportedly suffering mild symptoms. 909

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