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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 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

Will you accept President-elect Biden's offer to serve as his chief medical adviser? -@SavannahGuthrieAbsolutely, I said yes right on the spot. -Dr. Anthony Fauci pic.twitter.com/lHr3z1v3vo— TODAY (@TODAYshow) December 4, 2020 234

While students in a South Carolina school participated in the National School Walkout this week, a custodian helped herself to their cash, police said.The incident occurred at Richland Northeast High School on Wednesday.Aisha Evans, a custodian at the school, went into a classroom while students were outside and rummaged through three book bags, the Richland County Sheriff's Department said.In all, Evans stole 0, the department said.The custodian was arrested soon afterward and charged with three counts of petty larceny.Evans, 32, was employed by Service Solutions, an agency that provides custodial services to the district's school.The agency terminated the woman, the school district told CNN affiliate WIS."On Thursday, March 15, Service Solutions notified Richland Two that Evans is no longer an employee of the company and was informed that she cannot come on any Richland Two property," Richland Two School District said in its statement to the affiliate.It's unclear whether Evans has retained a lawyer.The-CNN-Wire 1040

With Halloween fast approaching, and pandemic safety precautions still in place around the country, it can be difficult deciding how to celebrate this year.A website, Halloween2020.org, backed by the not-for-profit Halloween Industry Association, offers helpful ideas and suggestions to entertain based on geography and current COVID-19 levels.“With the convergence of a full moon, a blue moon, daylight savings time and Saturday celebrations — plus the unprecedented events of this year — Halloween 2020 will truly be one to remember. Much has changed … but our love for the fun, fright, and delight of Halloween is strong as ever,” the website reads.The site features a color-coded map with information provided by the CDC and Harvard Global Health Institute of COVID-19 cases in every county in America. Based on the color, different activities are recommended.Red, or high COVID-19 rates, can celebrate in person with a small number of friends adhering to local safety orders, or keep it to house residents only with a costume-required dinner, scavenger hunt around the house to entertain the kids, some Halloween-themed karaoke, or a night of scary Netflix shows.In counties designed as orange, consider sitting outside in costume as friends, neighbors and family walk or drive by with candy. Or, get together with neighbors to create a neighborhood candy hunt, complete with a treasure map.As COVID-19 rates decrease, the ability to celebrate with others expands. Including curbside or garage trick-or-treating, face mask parties, or outdoor costume parties.Stay safe, even while celebrating, by taking simple precautions.Recommendations from the HIA and CDC include adults placing candy on a clean table and allowing kids to grab it themselves, remain six feet away from other people not in the same household, carry hand sanitizer and use frequently, then remember to wash hands thoroughly before enjoying any candy or treats. 1942