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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 bond for accused Waffle House shooter, Travis Reinking, has been revoked following public outcry from the community. Reinking was taken into custody Monday afternoon and charged with four counts of criminal homicide.Waffle House Shooting Suspect In CustodyHis bond was set at million – which outraged many in the community. The District Attorney's Office confirmed Tuesday that his bond had been revoked. Read More: Attorney Explains Why Accused Waffle House Killer Is Allowed BondAdditional charges would also be considered in the case; however, specific details were not known.  The 29-year-old has been accused of killing four people inside a Waffle House early Sunday morning. Taurean C. Sanderlin was an employee of the restaurant who was killed as he stood outside. Also killed outside was 20-year-old Joe R. Perez, of Nashville, who was a patron. The third death at the scene was 21-year-old DeEbony Groves, of Gallatin. She was killed inside the restaurant. Groves was a student at Belmont University. Akilah Dasilva, nicknamed Natrix, was passionate about his music and pursued a career in musical engineering at MTSU. He was wounded inside the restaurants and later died at Vanderbilt University Medical Center. These Are The Victims Of The Antioch Waffle House Shooting 1350

Supporters and opponents of the recent toppling of a Confederate monument in North Carolina turned out in Chapel Hill on Saturday to assert their stances.Seven arrests were made in connection to a gathering on McCorkle Place, the University of North Carolina-Chapel Hill media relations office said."Three arrests were for assault, the fourth for destruction of property and the fifth arrest for resisting an officer. The sixth arrest was for assault, destruction of property and inciting a riot. We are awaiting information on charges for the seventh arrest," the school said.Photos: Protesters topple Confederate statue at University of North Carolina at Chapel Hill?The rival rallies came after 250 protesters knocked over the University of North Carolina's controversial "Silent Sam" Confederate statue at the school on Monday night.On Saturday people congregated at and near the spot where the statue was torn down, news footage showed. Police were on the scene in numbers as people held banners, chanted and marched. Confederate flags could be seen. 1063

Starting a business can be hard - it takes a lot more than renting an office and printing business cards.But a new group is launching in San Diego to help women take control of their careers.Dames Collective promises to connect female entrepreneurs to key resources and help them network, so they can launch their own businesses."We don't want to just stand by the sideline and watch women trying to start their own business. We want to help them thrive," said Chanel Sonego, who founded the group with Brittney Hogan.San Diego Attorney Kelly DuFord says her life was a lot different when she had a boss."I was working at least 80 hours a week, and I would bring my work home with me," she said. She says she was missing out on valuable time with her young daughters, so she and her husband Craig launched their own law firm. DuFord still works a lot, but on her own terms - she says she takes time off on Monday mornings and some Wednesdays, but works Saturday nights. DuFord, who does employment law and business formation, says she makes more now than she did when she had a boss."You might be doing something that you don't even know you can make a business out of, but if you are passionate about it and you can do a common thing uncommonly well, you can start your own business," she said. Memberships at Dames Collective are a month, but Sonego says the group is working on lower cost options for students. The city of San Diego also has guidelines for starting a business, including 10 key steps entrepreneurs need to make.   1605

TEMECULA, Calif. (KGTV) - U.S. Border Patrol agents arrested a man Sunday on suspicion of smuggling more than 143 pounds of methamphetamine on Interstate 15 in Temecula. Agents pulled over the Ford F-150 near the Border Patrol checkpoint at 9:15 p.m. A K-9 unit alerted agents during an exterior search. A secondary inspection led to the discovery of 33 bundles of meth inside the wood paneling, officials said. The drugs had an estimated street value of 0,640. The driver, a 55-year-old U.S. citizen, was arrested at the scene. 539