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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

With businesses around the country reopening, customers may notice an additional expense on their bill: a COVID-19 surcharge. This new surcharge is popping up around the country and is an extra fee that businesses can add to a bill to help alleviate the financial burden placed upon them during the virus outbreak. It is meant to help offset losses due to businesses having to temporarily close, or help businesses keep up with the new requirements to reopen under health guidelines.The practice of adding an additional surcharge is legal for businesses although it may feel sneaky to customers without prior notification."Businesses would have to make decisions on their own," Kern County Administrative Officer Ryan Alsop told KERO-TV. "Simply having something on the bill at the end of the night that addresses something like a COVID-19 surcharge, possibly in addition to having signage in the restaurant, maybe something on the menu upfront."Adding a surcharge to the bill isn't the only option to help businesses during this time of reopening. Businesses could choose to raise prices overall. This has already been seen in some restaurants where expenses such as food supplies and third-party delivery fees, like DoorDash and GrubHub, have gone up considerably.Alsop points out that as a business, communicating with your customers might be the best way to maintain trust and keep your customers coming back during this difficult time."If I'm a business owner, customers are my livelihood," he said. "Those I think are points where you can engage your customers and talk to them about your business decisions."This story originally reported by Veronica Morley on turnto23.com. 1689

While officials in Puerto Rico placed the official death toll from last year's Hurricane Maria at 64, researchers from Harvard believe the death toll was actually in the thousands. According to Harvard's study, there were an estimated 4,645 deaths directly or indirectly tied to the hurricane, which struck the island in September. Harvard estimated a mortality rate of 14.3 deaths per 1.000 people from September 20 through December 31, 2017 in Puerto Rico. Harvard said in its study that it believes its estimate is rather conservative due to a "survivor bias."Harvard conducted the study by performing a random survey of 3,299 households in Puerto Rico. "In our survey, interruption of medical care was the primary cause of sustained high mortality rates in the months after the hurricane, a finding consistent with the widely reported disruption of health systems," the study says. "Growing numbers of persons have chronic diseases and use sophisticated pharmaceutical and mechanical support that is dependent on electricity. Chronically ill patients are particularly vulnerable to disruptions in basic utilities, which highlights the need for these patients, their communities, and their providers to have contingency plans during and after disasters."Part of why there the death toll might have been underreported is due to how hurricane-related deaths are counted. In order to have a death counted as storm related, bodies had looked at by a medical examiner, which required a body to be transported to San Juan, or the medical examiner to travel to remote locations. With a lack of electricity and blocked roads, some bodies were likely buried before the government could count fatalities. Maria is considered the third-costliest hurricane in US history.  1816

When you're facing a medical emergency, you trust your life to the doctors at in the emergency room. Those doctors sometimes have just seconds to make life or death decisions. Four in Your Corner is giving you an inside look as to what it's like to be an ER doctor."I love the pace of things and it takes a certain person to be an ER doctor," Dr. Keith Burley, who works in Cape Coral Hospital's emergency room, said/ "Emergency medicine is a true team sport. It takes the whole department to really resuscitate someone who is very sick.""Say someone comes in in cardiac arrest. They come in right through our trauma bay doors. They're dropped into one of our resuscitation rooms. Our team organizes very quickly. Everyone knows their jobs," Dr. Burley said.\In cases like this, techs will be running IVs; nurses will be hooking up defibrillation pads. Pharmacists will be running drugs. Staff will be trying to find out a patient's name. Dr. Burley said it's all about balancing quickness with efficiency while making sure patients are safe during triage."It's very important we triage effectively, making sure we point out and pick up the really sick people early on so we dedicate most of our resources to those sick people," Dr. Burley said. "We do need to triage because we have limited resources we need to effectively implement."Dr. Burley said when he sees a patient, he's trained to think worst case-scenario first."So someone coming in with a headache, we think, could this be a stroke? Could this be a subarachnoid hemorrhage? Could this be something else going on? Before we think it's just a headache," he said.Dr. Burley has known he's wanted to be a doctor since he was four years old after he was in a life-changing, dangerous situation."Like a good Canadian, I was tobogganing down a hill. We were going down the hill and my brother bailed. We continued to go down the hill and I hit a tree with my head," he said.He had a fractured skull and lost hearing in his left ear."I was seen by ER doctors, trauma doctors, a pediatric neurologist, had multiple MRIs," he said. "From that point on, as a young child, I always wanted to be a doctor."He said one of his most bizarre cases was just hours before Hurricane Irma hit. A dog was brought into the ER with it's eye hanging out."I'm not a veterinarian and I don't pretend to be one. I have a dog but it's a little out of my realm," Dr. Burley said. "We placed a pressured dressing and one of the staff members was able to call around to get a vet to see that dog just before the storm."For that dog and family, it was a happy ending, but Dr. Burley said the hardest part about emergency medicine are the days he deals with death and dying."It takes a certain person to deal with death and dying every day and then come back. It's a resiliency characteristic that all the ER staff have," Dr. Burley said.Whether their patients survive or not, the doctors have to learn to compartmentalize -- going from patient to patient until the end of their eight to 10 hour shift."We'll see a pediatric drowning, and then the next case we'll see someone with an eyeball injury, or someone with a simple laceration, and we have to give that patient the same amount of attention we gave the other patient and reset," he said."It's a privilege to be in a discipline where you get to see someone on their worst day of their entire life, and if you can make that a little better, you've done your job," he said.Dr. Burley said to unwind, he spends a lot of time at the beach and kite surfing. 3562

What happens when the pandemic and flu season collide? The situation has doctors concerned.“You could possibly have both and we don’t know how bad it will be if you have both,” said Dr. Richard Pan, a pediatrician and California state senator. “Many physicians and scientists are concerned because both of the viruses attack your lungs and heart.”California already had its first flu death this season and Pan is pleading with the public to get the flu shot this year.It's unknown how someone who had COVID-19 will react with the flu.“Even if they were asymptomatic, will the flu be a lot worse for somebody who already had COVID? Because of the damage COVID already did to the lungs and heart that perhaps the patient is not fully recovered from,” said Pan.The Centers for Disease Control and Prevention has ordered extra flu vaccines. They're widely available now and it's recommended you get one before the end of October.Normally, vaccine rates for the flu are around 40%. Pan says it should be double that.“If you have someone who is not vaccinated, then they're going to be much more likely to transmit that flu virus to the person that had COVID,” said Pan.Pan also says it's going to be difficult to figure out if you have the flu or COVID-19 or both, without testing.Make sure you isolate if you have any symptoms. You can spread both the flu and COVID-19 before you develop symptoms.It takes two weeks after the flu vaccine to develop antibodies.Some hope the U.S. flu season will be milder because of mask wearing, hand washing, and social distancing. Other counties have seen that. 1601