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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 Joe Biden scheduled to deliver his DNC acceptance speech on Thursday, President Donald Trump will attempt to siphon away attention by holding a strategically-placed campaign event and a strategically-timed Fox New interview.On Thursday afternoon, Trump will travel to Old Forge, Pennsylvania, to deliver a campaign stump speech at a local business. According to the presidential schedule, the topic of Trump's speech is "a half-century of Joe Biden failing America."Old Forge is just a 20-minute drive from Biden's hometown of Scranton, Pennsylvania.Later on Thursday, Trump will conduct a phone interview with Fox News host Sean Hannity during the 9 p.m. hour — just as the DNC is getting underway for the evening.Trump appears to have been acutely watching portions of the DNC throughout the week. On Tuesday morning, he tweeted a response to Michelle Obama's convention remarks, and on Wednesday evening, he tweeted an all-caps response to Vice Presidential candidate Kamala Harris' acceptance speech.Trump's remarks come the same day that a judge again ruled that the president must turn his tax returns over to a Manhattan district attorney. They also come the same day that his former adviser, Steve Bannon, was arrested for an alleged embezzling scheme resulting from a GoFundMe campaign to build a wall on the U.S.-Mexican border.Several national polls show that Trump trails Biden by a double-digit margin, those his voters appear to have more enthusiasm for him as a candidate. 1500

What impact will the new administration have on your money? Experts think another relief package could be one of their first actions in office.“There are a variety of ideas by lawmakers on both sides on how to either build on those ideas or even use new ideas, for example, expanding the child tax credit, and the earned income tax credit to help with economic relief,” said Garrett Watson, Senior Policy Analyst at Tax Foundation.The earliest anyone would see additional stimulus money would be early next year, separate from a stimulus bill.The Biden campaign talked about increasing overall spending or raising taxes on wealthier Americans and businesses to pay for it.“The most likely ones being the corporate tax increase raising from 21% up to 28%, and bringing the top individual income tax rate from 37% up to 39.6%, where it was prior to the Trump tax law in 2017,” said Watson.Which party has control of the Senate will impact if taxes are raised. Same goes for possibly raising the federal minimum wage. Congress would need to approve that.Experts say that likely puts us into 2022 before any major financial changes would take place. That's also the midterm elections and when another shift in balance of power could happen.Something that could affect your money and gain bipartisan support is changes in retirement savings.“The Biden campaign has come out with an interesting retirement proposal that if it did get traction, it would change the way traditional retirement accounts work by essentially converting the deductibility under current law of those traditional retirement accounts when you contribute into a matching credit instead,” said Watson. “And so that would change the way in which folks operate their traditional retirement accounts.”Bottom line, the outcome of the remaining Senate races will determine any changes to either providing or taking more money from Americans. 1910

WILBRAHAM, Mass. (AP) — Friendly’s Restaurants, an East Coast dining chain known for its Fribble milkshake and ice cream sundaes, is filing for bankruptcy protection.All 130 of its locations will remain open while it restructures under Chapter 11 bankruptcy protection.Substantially all of its assets are being sold to the restaurant company, Amici Partners Group.“Over the last two years, Friendly’s has made important strides toward reinvigorating our beloved brand in the face of shifting demographics, increased competition, and rising costs,” said George Michel, the company's CEO. “We achieved this by delivering menu innovation, re-energizing marketing, focusing on take-out, catering and third-party delivery, establishing a better overall experience for customers, and working closely with our franchisees and restaurant teams. Unfortunately, like many restaurant businesses, our progress was suddenly interrupted by the catastrophic impact of COVID-19, which caused a decline in revenue as dine-in operations ceased for months and re-opened with limited capacity."The pandemic has hit the restaurant sector hard, particularly those that rely on people in their dining rooms.At least 10 chains have filed for bankruptcy protection since the pandemic began this year.But Friendly’s Restaurant, like most other chains that have stumbled this year, had been struggling. The Wilbraham, Massachusetts, company filed for bankruptcy protection in 2011 as well. 1470

When you stay at a hotel, you wouldn't think twice about having things like smoke detectors or fire extinguishers. But what about an Airbnb? New findings out suggest many Airbnb venues in the United States may be falling short.Monica Shaffer and her husband designed her mother-in-law basement to help guests feel right at home when using Airbnb."They have a private bathroom with their own walk-in shower," Shaffer said.But most importantly, she designed it to keep them safe, if there were ever a fire."They can get out to this door if they need to," Shaffer said. "If it's an emergency fire in this room we also keep a fire extinguisher on hand in the room. It's right down here. And fire alarm as is to be expected. And there was a carbon monoxide monitor too over in that quarter. If there's ever any concern for that."When asked why Shaffer decided to undertake safety precautions, "Well I think it's just a standard expectation," Shaffer answered.Unfortunately all of the attention and care Shaffer takes, may not be as standard as you think at other Airbnb locations. New findings out from the Relevant Journal show only 57.5 percent of Airbnb venues have carbon monoxide alarms, 42.2 percent have fire extinguishers, and 36 percent have first aid kits.The results surprised Shaffer. Most Airbnbs are in private homes, and although some states have standards for rental properties, national fire safety requirements don't usually apply. Although Airbnb encourages hosts to install fire safety equipment, it doesn't require them to provide proof. Researchers hope this information will change that."You know it's having those safety precautions in place that make you feel like you're at home," Shaffer said. "And Airbnb is about staying in people's homes and feeling at home."Airbnb responded to the study with this statement:“At Airbnb, safety is our priority. All hosts must certify that they follow all local laws and regulations. We run home safety workshops with local fire and EMS services all over the world, making sure our hosts have access to the best information in order to keep their guests, their homes and themselves safe. Every listing on Airbnb clearly states the specific safety amenities it has, including smoke and CO detectors, fire extinguishers, and first aid kits, so guests can look first and then decide whether that home, tree-house, yurt, or igloo is the one they want to book or not. In addition, every home in Airbnb's Plus Collection [airbnb.com] must have a smoke and CO detector in order to even be included. The study itself says it has not undergone any ethical review, it used data from three years before Airbnb Plus even debuted, and it looks to be designed to help an incumbent industry who has its own fire safety issues that need to be addressed.“We believe more work needs to be done across the board throughout the travel and tourism industry. According to the US Fire Administration [usfa.fema.gov] there are an estimated 3,900 hotel and motel fires each year that cause 15 deaths, 150 injuries and million in property loss. Even though there have been a number of tragic high profile hotel CO poisoning incidents, only 14 states [ncsl.org] require CO alarms in hotels by statute. Sadly, only 41% [census.gov] of all homes in the US even reported having working CO detectors. Whether a home is listed on Airbnb or not, all homes and hotel rooms should have smoke and CO detectors, fire extinguishers and first aid kits. At Airbnb we give out free smoke and CO detectors [airbnb.com] to each and every host who wants one. We have been doing this for the last three years.“We will reach out to the authors of the study, as we would like to work with them to increase awareness of safety measures for all homeowners, again, whether they are Airbnb hosts or not -- and transparency is key, so we will continue to ensure our guests know exactly what safety features their Airbnb has before they book it." 4023

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