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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

States and districts across the country are unveiling their plans for the nation’s 56 million school children to return back to school. It’s a stressful time for parents and teachers, as well as students. Experts say it’s important to recognize the signs your child may not be ready to go back.“I really want to see friends and see teachers, and like, being actually inside the classroom,” said 14-year-old sophomore Amina Ahmad.Still, there is an uneasiness about whether a return to the classroom would lead to an outbreak.“Some people really are kind of worried about how many students are actually going back and how many people are going to be there,” said Ahmad.Politicians, school administrators, and parents are all weighing the potential risks of returning to the classroom. As novel coronavirus cases surge across the country, experts say the psychological toll on children needs to be addressed.“One of the things that we're seeing a lot is that after being away from that routine for a long time, it is normal for families and for youth to be concerned about ‘how is this going to be?’” said Dr. Tali Raviv, a child clinical psychologist at the Ann & Robert H. Lurie Children's Hospital of Chicago who specializes in student mental and health resilience.The American Association of Pediatrics says the benefits of in-person learning outweigh the risks and “…strongly advocates that all policy considerations for the coming school year should start with a goal of having students physically present in school.”But mental health experts say it’s important to understand how each child feels about going back.“Because it's a very different situation if a child is worried, ‘I'm not going to have my best friend with me in my little pod’ than if they're saying ‘I'm worried I'm going to get sick and die’ or ‘you're going to get sick and die,’” explained Dr. Raviv.Dr. Raviv says signs that your student is anxious about returning to school include:Any significant changes in sleep, falling asleep, staying asleep, not wanting to sleep alone or having nightmaresChanges in appetite or a lack of appetiteHeadaches or stomach achesBeing more irritable, frequent meltdownsWithdrawal from friends, family, other activitiesDr. Raviv says if the anxiety is debilitating, it may be time to see a professional.For sophomore Ahmad, her school’s hybrid schedule, alternating in-person and online classes, has put her mind at ease for now. 2448

TEXAS — A 78-year-old man has confessed to 90 killings, and investigators are saying he could be one of the most prolific serial killers in U.S. history.Samuel Little is currently being held in a Texas prison. Investigators have confirmed 34 cases so far, and the FBI said in a news release Tuesday that more are pending confirmation. The killings Little has claimed responsibility for include a black female in Cincinnati, Ohio in 1974 and a white female in Covington, Kentucky in 1984, according to the FBI. Little said he met that second victim in Columbus, Ohio and disposed of her body somewhere in Northern Kentucky. Neither of those confessions had been corroborated by law enforcement as of Nov. 15.The women Little confessed to killing turned up dead between 1970 and 2005 in states from coast to coast, according to the FBI.  863

TALLAHASSEE, Fla. — As the Florida State Seminoles men’s basketball team prepares for their Atlantic Coast Conference showdown with Georgia Tech on Tuesday, the emotions from the events that unfolded in Saturday’s game against Florida Gators are still being felt within this program.When Florida standout junior Keyonate Johnson collapsed on the floor following an early timeout, it sent a numbing silence throughout Tucker Center, followed by a shockwave of emotions that hit the Seminole team hard.On Monday, WTXL learned that FSU head coach Leonard Hamilton was ready to respect whatever decision Florida head coach Mike White and their administration were going to make, even if that meant ending Saturday's game right then and there.It was an unexpected and unfamiliar situation for many to cope with.“My comment was fellas; the only thing we can do right now is to pray for this young man. And immediately I had several players on their knees crying and praying," said Hamilton. "And from a coaching standpoint, we always as human beings respond in relation to the experiences that we’ve had, and we try to relate to situations as a result of things we’ve seen, learned, and experienced. But as a head coach, I’ve never experienced anything like this.”The teams went on to finish the game, which the Seminoles won 83-71.On Monday, the Florida Gators men's basketball team released a statement on Twitter saying Johnson was "following simple commands and undergoing further tests," as he remained in critical but stable condition Monday afternoon. 1560

The American Red Cross is now checking all blood donations for coronavirus antibodies, instead of just searching for recovered patients. The organization is calling it a “game changer.”“We can then not only inform that donor of the testing results that we've identified COVID-19 antibodies in their blood, but also use that product as convalescent plasma to help patients who are ill with COVID-19 in the hospital,” said Dr. Pampee Young, Chief Medical Officer at the American Red Cross.Early results from the National Institutes for Health show the plasma can make a big difference for severely sick COVID-19 patients. And data from these new tests will help those researchers working to better understand the virus.The Red Cross says the need for whole blood donors is constant, but plasma is more unpredictable.Over the summer, plasma supplies ran low after unprecedented infections and demand in some states.Now, they're asking more donors to step up to restock for another potential surge in the fall and winter.“Because we can’t predict the demand, we want to ensure that we have enough inventory, because what really saves lives are the units that are on the shelf, not something that we need to collect once we realize there’s a need,” said Young.The Red Cross has taken additional safety steps during the pandemic. That includes making an appointment.You can sign up online at RedCrossBlood.org or by using the blood donor app. 1444