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Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s ¡ª 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

Super Mario Bros. turns 35-years-old this year and Nintendo is celebrating the original jump man in a big way.During a video presentation Thursday, the company unveiled several new Mario titles, events, and products to celebrate the mustached hero's anniversary.The most notable announcement is the reveal of Super Mario 3D All-Stars, a collection of Super Mario 64, Super Mario Sunshine, and Super Mario Galaxy for the Nintendo Switch console.The game will be released on Sept. 18."In addition to having higher resolutions than their original versions, the games have been optimized for a smooth gameplay experience on Nintendo Switch," Nintendo said in a statement.Nintendo also showed off a new collectible device inspired by the original Game & Watch, which launches on Nov. 13.Other announcements included a Switch port of Super Mario 3D World, a competitive 35 player online version of Super Mario Bros., and much more.¡°We look forward to everyone joining us on a Mario journey 35 years in the making,¡± said Nintendo of America President Doug Bowser. ¡°We are marking this significant milestone with a wide variety of games and experiences that all generations of Mario fans, from here to the Mushroom Kingdom, can enjoy together.¡±This story was first published by Joey Greaber at KGUN in Tucson, Arizona. 1322

The banana phone is back.A startup that licenses the Nokia phone brand has unveiled a new version of the 8110, a curved mobile phone that was first released in 1996 and featured in "The Matrix."The phone, which is offered in banana yellow and black, will sell for €79 (). It comes loaded with a new version of the game Snake, Finnish startup HMD said in a statement."This is a return to the glory years of Nokia," said Ian Fogg, senior analyst at IHS Markit. "But it also includes all the new technology."The 8110 comes with 4G, and a handful of apps including Google Maps, Facebook and Twitter. But it doesn't have a flashy operating system and users won't be able to download other popular apps.Fogg said that basic -- or "feature" -- phones are appealing because they are reliable, and can run for a long time on a single charge. The 8110 goes 25 days in standby mode, for example.Nokia used to be the world's largest maker of mobile phones, but it struggled to adapt to the era of smartphones and compete with the likes of Apple and Samsung.Microsoft purchased the company's handset business in 2013, but later unwound the deal. Nokia now focuses on making technology for telecommunications networks.HMD, which has licensed the Nokia brand since 2016, sold over 70 million handsets in 2017, according to IHS. That puts its sales, on an annualized basis, in the same league as Sony and Lenovo."HMD's strategy clearly aims to return Nokia to be a mobile market leader, even if it's too early for HMD to realistically target displacing Samsung or Apple," Fogg said.Nokia marketed the original 8110 as "the first of its kind in terms of its ergonomics." Its battery lasted up to six days, and it was able to store 16 ring tones and up to 324 names and numbers."It feels good in the hand and fits into any pocket. The revolutionary curved design fits the natural shape of your face," the company said in a press release at the time.  1948

The acting director of the Office of Government Ethics said in a letter to a Democratic member of Congress that the White House Counsel's office is looking into whether Jared Kushner violated any laws when he met with business entities which later loaned more than 0 million to his company.In the letter dated March 22, OGE director David Apol said, "The White House informed me that they had already begun this process. I have asked the White House to inform me of the results of that process."CNN has reached out to the White House Counsel's office and Kushner for comment.Apol sent the letter to Illinois Democratic Rep. Raja Krishnamoorthi, who wrote regarding a variety of ethical questions around Kushner's White House role.In a letter dated March 14, Apol also told Connecticut Democratic Sen. Richard Blumenthal that he had discussed ethical concerns about Kushner with the White House Counsel's office "in order to ensure" that office looks into whether any law or regulation had been violated."During that discussion, the White House informed me that they had already begun this process," Apol wrote. 1121

The 51st annual Country Music Awards will honor artists and musicians in Music City at Bridgestone Arena.The stars flocked to the red carpet Wednesday night before the show.Country Stars Walk CMA Awards Red Carpet 221

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