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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 Better Business Bureau is warning that the quizzes you take online — especially on Facebook — can be used by hackers to get your information.The bureau says while the quizzes may seem silly and useless -- but hackers can use that information to get into your social media accounts.Some quizzes are outright scams designed to get your information. They will contain links embedded in the quiz that can cause a security breach of your personal accounts. The bureau recommends the following tips to avoid social media scams: 553

The 76th Golden Globe Awards will be a battle of blockbusters versus indies.The nominations were announced Thursday and in the best motion picture drama category, "Black Panther," "BlackKKKlansman" "Bohemian Rhapsody," "If Beale Street Could Talk" and "A Star Is Born" will be competing against each other.That last film proved to be a boon for its star Bradley Cooper, who was also nominated in the director and best performance by an actor in a motion picture-drama category.Below is a full list of Golden Globe categories. Check back for updates as the nominees are announced.MoviesBest Motion Picture - Drama"Black Panther""BlackKklansman""Bohemian Rhapsody""If Beale Street Could Talk""A Star Is Born"Best Motion Picture - Musical or Comedy"Crazy Rich Asians""The Favourite""Green Book""Mary Poppins Returns""Vice"Best Performance by an Actress in a Motion Picture - DramaGlenn Close ("The Wife")Lady Gaga ("A Star Is Born")Nicole Kidman ("Destroyer")Melissa McCarthy ("Can You Ever Forgive Me?")Rosamund Pike ("A Private War")Best Performance by an Actor in a Motion Picture - DramaBradley Cooper ("A Star Is Born")Willem Dafoe ("At Eternity's Gate")Lucas Hedges ("Boy Erased")Rami Malek ("Bohemian Rhapsody")John David Washington ("BlackKklansman")Best Actress in a Motion Picture - Musical or ComedyEmily Blunt ("Mary Poppins Returns")Olivia Coleman ("The Favourite")Elsie Fisher ("Eighth Grade")Charlize Theron ("Tully")Constance Wu ("Crazy Rich Asians")Best DirectorBradley Cooper ("A Star Is Born")Alfonso Cuaron ("Roma")Peter Farrelly ("Green Book")Spike Lee ("BlackKklansman")Adam McKay ("Vice")Best Performance by an Actor in a Motion Picture - Musical or ComedyChristian Bale ("Vice")Lin-Manuel Miranda ("Mary Poppins Returns")Vigo Mortensen ("Green Book")Robert Redford ("The Old Man in the Gun")John C. Reilly ("Stan and Ollie")Best Supporting Actress in a Motion PictureAmy Adams ("Vice")Claire Foy ("First Man")Regina King ("If Beale Street Could Talk")Emma Stone ("The Favourite")Rachel Weisz ("The Favourite")Best Supporting Actor in a Motion PictureMahershela Ali ("Green Book")Timothee Chalamet ("Beautiful Boy")Adam Driver ("BlackKklansman")Richard E. Grant ("Can You Ever Forgive Me?")Sam Rockwell ("Vice")Best Original Score in a Motion PictureMarco Beltrami ("A Quiet Place")Alexandre Desplat ("Isle of Dogs")Ludwig G?ransson ("Black Panther")Justin Hurwitz ("First Man")Marc Shaiman ("Mary Poppins Returns")Best Screenplay in a Motion PictureBarry Jenkins ("If Beale Street Could Talk")Adam McKay ("Vice")Alfonso Cuaron ("Roma")Deborah Davis and Tony McNamara ("The Favourite")Peter Farrelly, Nick Vallelonga, Brian Currie ("Green Book")Best Motion Picture - Foreign Language"Capernaum""Girl""Never Look Away""Roma""Shoplifters"Best Animated Film"Incredibles 2""Isle of Dogs""Mirai""Ralph Breaks the Internet""Spider-Man: Into the Spider-Verse"TVBest TV series - Drama"The Americans""The Bodyguard""Homecoming""Killing Eve""Pose"Best performance by Actress in a TV series - DramaCaitriona Balfe ("Outlander")Elisabeth Moss ("The Handmaid's Tale")Sandra Oh ("Killing Eve")Julia Roberts ("Homecoming")Keri Russell ("The Americans")Best performance by an Actor in a TV Series - DramaJason Bateman ("Ozark")Stephan James ("Homecoming")Richard Madden ("Bodyguard")Billy Porter ("Pose")Matthew Rhys ("The Americans")Best TV series - Musical or Comedy"Barry""The Good Place""Kidding""The Kominsky Method""The Marvelous Mrs. Maisel"Best Performance by an Actor in a TV series - Musical or ComedySasha Baron Cohen ("Who Is America?")Jim Carrey ("Kidding")Michael Douglas ("The Kominsky Method")Donald Glover ("Atlanta")Bill Hader ("Barry")Best Performance by an Actress in a TV series - Musical or ComedyKristen Bell ("The Good Place")Candice Bergen ("Murphy Brown")Alison Brie ("GLOW")Rachel Brosnahan ("The Marvelous Mrs. Maisel")Debra Messing ("Will & Grace")Best Limited Series or Motion Picture Made for Television"The Alienist""The Assassination of Gianni Versace: American Crime Story""Dirty John""Escape at Dannemora""Sharp Objects""A Very English Scandal"Best Performance by an Actor in a Limited Series or Motion Picture Made for TelevisionAntonio Banderas ("Genius: Picasso")Daniel Bruhl ("The Alienist")Darren Criss ("The Assassination of Gianni Versace: American Crime Story")Benedict Cumberbatch ("Patrick Melrose")Hugh Grant ("A Very English Scandal")Best Performance by an Actress in a Limited Series or Motion Picture Made for TelevisionAmy Adams ("Sharp Objects")Patricia Arquette ("Escape at Dannemora")Connie Britton ("Dirty John")Laura Dern ("The Tale")Regina King ("Seven Seconds")Best Performance by an Actor in a Supporting Role in a Series, Limited Series or Motion Picture Made for TelevisionAlan Arkin ("The Kominsky Method")Kieran Culkin ("Succession Edgar Ramirez, The Assassination of Gianni Versace: American Crime Story")Ben Whishaw ("A Very English Scandal")Henry Winkler ("Barry")Best Performance by an Actress in a Supporting Role in a Series, Limited Series or Motion Picture Made for TelevisionAlex Borstein ("The Marvelous Mrs. Maisel')Patricia Clarkson ("Sharp Objects")Penélope Cruz ("The Assassination of Gianni Versace: American Crime Story")Thandie Newton ("Westworld")Yvonne Strahovski ("The Handmaid's Tale") 5284

TAMPA BAY, Fla. — According to the Centers for Disease Control and Prevention (CDC), 107 people from 21 states, including Florida, have reported contracting measles between January 1 to July 14, 2018.Measles is a virus that is easily spread by air droplets when infected persons breathe, cough, or sneeze. The first symptoms are a high fever that may spike to 105°F, cough, runny nose and red, watery eyes. These symptoms are followed by a blotchy rash that spreads from the head to the feet.Measles is a potentially severe disease, especially young children and persons with compromised immune systems. The majority of people who get measles were unvaccinated, the CDC warns.According to the CDC, the following states were reported to have measles:ArkansasCaliforniaConnecticutFloridaIllinoisIndianaKansasLouisianaMarylandMichiganMissouriNevadaNew Jersey New YorkNorth CarolinaOklahomaOregonPennsylvaniaTennesseeTexasWashingtonDistrict of Colombia"We continue to encourage parents to fully vaccinate their children," said infectious disease specialist Dr. Ulyee Choe. "Measles is a highly contagious disease that can have serious complications for babies and children."Unvaccinated individuals who are exposed to measles may be excluded for up to 21 days from public places such as school and work where they could infect others.Persons with symptoms of measles should be evaluated by their health care provider. Health care providers are asked to immediately report suspected cases of measles to the department of health. 1581

The auction house says it didn't know anything about it. The artist famously doesn't like to show his face. The buyer is a mystery. So, for that matter, is the seller.In the case of the "self-destructing Banksy", nothing adds up.The startling stunt at Sotheby's in London has set the art world aflame. The image of a girl reaching out for a red, heart-shaped balloon had just sold, for .4 million.Moments later, a shredder hidden inside the picture frame began to whirr, the canvas slid down, and at least part of it ended up in strips.Sotheby's claimed it had been "Banksy'd."The British street artist, famous for being faceless, is certainly well known for his stunts. In 2006 he secretly erected a life-size replica of a hooded Guantanamo Bay detainee inside a ride in the California Disneyland theme park. In 2013 he set up a stall selling his original artwork for in a New York market and filmed people passing by, convinced that because of the price, the works were fake. 991

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