Portable Bluetooth Speakers

prevent meaning

Embark on a Quest with prevent meaning

Step into a world where the focus is keenly set on prevent meaning. Within the confines of this article, a tapestry of references to prevent meaning awaits your exploration. If your pursuit involves unraveling the depths of prevent meaning, you've arrived at the perfect destination.

Our narrative unfolds with a wealth of insights surrounding prevent meaning. This is not just a standard article; it's a curated journey into the facets and intricacies of prevent meaning. Whether you're thirsting for comprehensive knowledge or just a glimpse into the universe of prevent meaning, this promises to be an enriching experience.

The spotlight is firmly on prevent meaning, and as you navigate through the text on these digital pages, you'll discover an extensive array of information centered around prevent meaning. This is more than mere information; it's an invitation to immerse yourself in the enthralling world of prevent meaning.

So, if you're eager to satisfy your curiosity about prevent meaning, your journey commences here. Let's embark together on a captivating odyssey through the myriad dimensions of prevent meaning.

Showing posts sorted by date for query prevent meaning. Sort by relevance Show all posts
Showing posts sorted by date for query prevent meaning. Sort by relevance Show all posts

Labor Day Weekend Travel: What To Do If Your Flight Is Delayed Or Canceled


Best places to travel labor day weekend best travel deals for labor day weekend 2015 cheap travel labor day weekend best travel deals for labor day weekend 2015 best places to travel labor day weekend labor day weekend 2022 canada labor day weekend 2022 dates labor day 2022 labor day usa labor day meaning
Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled


Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

What's happening

An estimated 12.8 million Americans will fly over Labor Day weekend.

Why it matters

While air travel has returned to pre-pandemic levels, many airlines are still plagued by significant delays and cancellations.

Labor Day is here and, despite ongoing flight disruptions and high ticket prices, an estimated 12.6 million Americans will be flying over the three-day holiday weekend, according to data from travel site Hopper.

American Airlines alone estimates 2.5 million customers will board 26,400 scheduled flights through Monday. 

Many of those fliers will face delays and cancellations. On average, 23% of flights in August were delayed from departing US airports, an increase of nearly 30% compared to 2019. And cancellation rates last month were more than double their 2019 rates, as airlines mobilize to address staff shortages, pickets, weather disruptions and other issues.

By 10 a.m. ET on Thursday, American Airlines had already reported 100 delayed flights, according to the website FlightAware, and 23 cancellations. Industrywide, more than 800 flights within, into, or out of the United States have been delayed Thursday morning and 102 canceled.

Analysts don't expect schedules will get back to normal until at least the fall, when demand settles down and new hires have had time to be trained up. 

If you're flying over Labor Day, here's what you need to know about avoiding a travel nightmare, what the airlines owe you if there's a cancellation or delay, and more. 

For more travel tips, here are some great travel gadgets, guidance on renewing your passport online and 19 things to add to your travel checklist. before leaving home.

Why have there been so many delays and cancellations?

canceled flights on board

Layoffs and contract buyouts during the pandemic have left many airlines short-staffed, fueling ongoing delays and cancellations.

Getty Images

Since Memorial Day, US-based airlines canceled more than 50,000 flights and delayed over a half-million, according to NPR. Delta said it canceled 100 scheduled daily flights in the US and Latin America between July 1 and Aug. 7. Southwest Airlines nixed almost 20,000 summer flights.   
The biggest factor has been that airlines are incredibly short-staffed. When the pandemic slowed air travel to a trickle, many carriers bought out employees' contracts and encouraged older pilots to take early retirement.

As a result, from December 2019 to December 2020, the number of airline workers shrank by at least 114,000, according to the Bureau of Labor Statistics. Now carriers are clamoring to staff back up, but they're finding it hard to fill positions. 

The shortages extend to ground staff, baggage handlers, gate personnel and other workers, FlightAware spokesperson Kathleen Bangs told CNET. "They did a lot of buyouts during the pandemic. It's a remarkable growth period and they're just back-footed." 

It's particularly acute with pilots because it can take up to five years and cost hundreds of thousands of dollars to train someone to fly a commercial airplane.

"Most airlines are simply not going to be able to realize their capacity plans because there simply aren't enough pilots, at least not for the next five-plus years," United Airlines CEO Scott Kirby said in a quarterly earnings call back in April, NBC News reported.

Extreme weather has also added to the problem: Severe thunderstorms have caused multiple delays and flight cancellations, and that's aside from hurricane and wildfire season. Aircraft can fly at lower altitudes to try to avoid storm systems, but that burns more fuel -- a dicey proposition given the high cost of jet fuel. 

How to avoid having your flight delayed or canceled

There isn't much you can do to prevent a delay or cancellation. But there are some common-sense steps that will give you a better shot at making it to your destination -- or at least relaxing at home or in a hotel room, rather than stewing in the airport.

The American Airlines mobile app

Download your airline's mobile app to keep on top of changes to your flight schedule.

Pavlo Gonchar/Getty Images

Leave extra time for layovers. You might think an hour is plenty of time to get from one gate to another, especially in the same terminal. But if the first leg of your journey is delayed that hour can turn into 30 minutes. And with most airlines closing the plane doors about 15 minutes prior to departure, you could easily miss your connection.

Hartsfield-Jackson Atlanta International Airport (ATL), Denver International Airport (DEN) and Los Angeles International Airport (LAX) top the list of busiest hubs over the Labor Day holiday, according to Hopper.

Don't book a late-night flight. If you miss a connection, most airlines will work diligently to get you on the next available flight. But if you booked the last flight of the day to your destination, that may mean having to wait until morning -- and either pacing through the airport for hours or booking a night in a nearby hotel. 

Download the airline's app on your phone. Opt into flight notifications and start manually checking the status of your flight regularly, at least 24 hours in advance. As soon as you hear your flight has been cut, find out if you've been transferred to another flight.

Monitor the weather at both your departure and arrival airports. Start checking the weather in both places a few days before your flight. Some airlines will actually reschedule your flight in advance of a major weather front at no extra charge. If a storm is on its way, you might consider leaving a few days earlier or later or finding a different route.

Buy travel insurance. Depending on why your flight is canceled or delayed, the airline might not comp any meals, accommodations or transport you're forced to purchase. The payout for travel insurance may not cover all of your expenses, but it will definitely be more than the cost of a policy, typically 5% to 10% of your trip cost.

What to do if your flight is delayed or canceled

Time is of the essence, so be proactive about rescheduling your flight. 

"A lot of the time you can reschedule yourself on the flight of your choice" using the airline's app, said David Slotnick, senior aviation reporter for The Points Guy. "It'll save you a lot of time and aggravation." (Like CNET, The Points Guy is owned by Red Ventures.)

If that's not possible, call the airline. Even if you get sent to an automated system, it may have a call-back function. You can still call if you're already at the airport. Do it while you're in line to talk to an agent and take whichever option is available first.

What does the airline owe you if your flight is canceled?

Frustrated man at airport counter

While some airlines are able to get you booked on a different carrier if your flight is canceled, not all can.

Dmitry Marchenko/Getty Images

In the US, if a flight is canceled because of something that is the airline's fault -- a mechanical issue or a staffing shortage -- the carrier is required to refund your ticket.

"If you get canceled for any reason -- you don't take your flight -- they have to offer you a cash refund," Transportation Secretary Pete Buttigieg told NPR. "If you'd rather take miles or a different flight, fine. But that's up to you, not them. They've got to give you a refund. That's a basic rule,"  

The Department of Transportation website mandates airlines must also refund the cost of your ticket after a schedule change or significant delay, but the agency hasn't defined what constitutes a "significant delay."

"Whether you are entitled to a refund depends on many factors -- including the length of the delay, the length of the flight and your particular circumstances," according to the DOT website. Whether a refund following a significant delay is warranted is determined "on a case-by-case basis." 

If you don't request a refund, the airline is still responsible for getting you to your destination. But it could be much later than your original flight. Under most circumstances, carriers should provide vouchers for meals and hotels.

Make your plans quickly, though: Airport hotels fill up quickly amid widespread delays and cancellations.

Some airlines will work to get you on another flight with a different airline, Slotnick said, but not every airline has relationships with other carriers. 

What are airlines doing to address delays and cancellations?

Hiring more employees. "All the airlines are doing major hiring initiatives," Slotnick said. "They're rushing to hire pilots and deploy them." They're also trying to improve work conditions for existing workers: In April, Delta announced it would start paying flight attendants during boarding, rather than just once the plane door closes.

The move, a first for a major US airline, is seen as a countermeasure to a unionization push among workers.

Scheduling more flights. Someairlines are boosting service in popular corridors when they can. "They're trying to strike the right balance between adding flights and creating some slack in the system," Slotnick said.

For example, United Airlines recently launched or resumed 30 flights between the US and Europe, its largest expansion ever. Regular flights from Denver to Munich, Chicago to Zurich and New York to Bergen, Norway, are underway, as well as daily service between Boston and London.

When fully operational, United's transatlantic route network will be more than 25% larger than it was in 2019, before COVID-19 cratered air travel.

Plane coming in for a landing at SFO

Some airlines have ramped up their roster of scheduled flights, while others have pared down to avoid having to cancel them later.

James Martin/CNET

Scheduling fewer flights. Otherairlines are going in the opposite direction, reducing their capacity rather than risk being forced to cancel a scheduled flight. JetBlue has already reduced its May routes by almost 10%, Conde Nast Traveler reported, and will likely make similar cuts throughout the summer.

"By reducing our flight schedule for the summer and continuing to hire new crewmembers, we hope to have more breathing room in the system to help ease some of the recent delays and cancellations that we've seen in the industry," a JetBlue spokesperson told the outlet. 

Southwest Airlines, the world's largest low-cost carrier, cut more than 8,000 domestic flights in June "to adjust to capacity," the company told The Business Journals. 

Delta  "temporarily cut" some Labor Day weekend flights from Ronald Reagan Washington National Airport and New York's LaGuardia and John F. Kennedy airports to deal with a large number of airline crew members and air traffic controllers who have already called in sick, The Washington Times reported.

Giving passengers more notice. All the airlines are making a concerted effort to give passengers as much information as possible, Slotnick said, through text updates and other notifications.

"Even a year before the pandemic, airlines were trying to be proactive about informing passengers, even 24 or 48 hours in advance of a possible cancellation," he said.

Offering waivers
United, Delta and other carriers are offering travel waivers to passengers to encourage them to move their flights out of busy time periods. All waiving the usual flight-change fees and some are even foregoing the usual fare difference.

The Department of Transportation has stepped in to hold airlines accountable

On Sept. 1, the U.S. Department of Transportation launched a new website that lets fliers know what they're entitled to when their flight is significantly delayed or canceled. The Aviation Consumer Protection site has a dashboard that compares what policies are regarding rebooking, meal and hotel vouchers and complimentary ground transportation for carriers including Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit and United.

The Transportation Department's Air Consumer Dashboard

The Transportation Department's Air Consumer Dashboard compares offerings from major carriers.

Department of Transportation

"Passengers deserve transparency and clarity on what to expect from an airline when there is a cancelation or disruption," Transportation Secretary Pete Buttigieg said in a statement. "This dashboard collects that information in one place so travelers can easily understand their rights, compare airline practices, and make informed decisions."

Buttigieg said the goal was to get the airlines to "raise the bar."

"Look, Americans have had experiences with cancellations, delays and poor customer service that just aren't at an acceptable level," he told NPR. "A lot of the airlines are not quite transparent about how and when they'll take care of passengers. "So we're going to put that information out ourselves."

Just knowing that information is out there for air travelers to see has spurred carriers to improve their offerings, Buttigieg added. 

The Department is also collecting comments on a proposed rule requiring airlines to proactively inform passengers about their right to a refund. It would also provide a clearer definition of a "significant change" to a scheduled flight and require airlines to provide non-expiring vouchers to passengers unable to fly because they contracted COVID-19 or other communicable diseases.

The proposal would also mandate carriers that receive pandemic assistance issue those passengers refunds instead of vouchers.

Are any airlines better or worse in terms of cancellations?

An airplane with a Delta logo on it

In 2021, Delta had the fewest cancellations of any major US airline.

Boarding1Now

Without naming names, Slotnick says that, broadly speaking, low-cost airlines have tighter margins with less slack, so theoretically you're more likely to face a cancellation.

But booking with a big carrier doesn't mean you're immune.

"The regionals have parked a lot of planes because they don't have enough staff," Bangs said. "And a lot of people who book on a major airline don't realize they're actually flying with a smaller carrier."

SkyWest, a smaller airline out of St. George, Utah, subcontracts for Delta, United, American and Alaska Airlines. So does Indiana-based Republic Airways.

Sometimes, bigger is indeed better: Last year, Delta had the best record in cancellation rates, according to The Wall Street Journal's annual airline rankings. The Atlanta-based airline scrubbed 0.6% of its scheduled departures in 2021, a third of the industry average of 1.8%.


Source

https://nichols.my.id/how-to-repair-excel-on-windows-10.html

.

Facebook, YouTube To Restrict Some Russian State-Controlled Media Across Europe


Facebook youtube to restrict some russian state duma facebook youtube to restrict some russian state map facebook youtube to restrict some russian revolution facebook youtube to restrict synonym facebook youtube to restrict a person s location facebook youtube to restrict meaning facebook youtube to restrict your google facebook youtube video facebook log in to facebook youtube fb login facebook youtube
Facebook, YouTube to Restrict Some Russian State-Controlled Media Across Europe


Facebook, YouTube to Restrict Some Russian State-Controlled Media Across Europe

Facebook, YouTube and other social networks are restricting access to Russian state-controlled media outlets RT and Sputnik across Europe, amid calls to crack down on disinformation. The move will likely heighten tensions between some of the world's most popular social networks and the Russian government.

Facebook's parent company, Meta, said Monday that it will limit the accessibility of Sputnik and RT across the European Union.  

"We have received requests from a number of governments and the EU to take further steps in relation to Russian state-controlled media. Given the exceptional nature of the current situation, we will be restricting access to RT and Sputnik across the EU at this time," Nick Clegg, who oversees global affairs at Meta and is a former UK deputy prime minister, said in a tweet.

Clegg didn't respond to questions on Twitter about what the restrictions entail, how many requests Meta has received and from which governments or how many Facebook users will be impacted by these restrictions. Clegg also didn't say when these restrictions would start. RT's Facebook page has 7.4 million followers and Sputnik's Facebook page has 1.4 million followers. The media outlets are also on Facebook-owned Instagram, a photo and video service. RT has 839,000 followers on Instagram and Sputnik has 116,000 followers. 

On Tuesday, Google said in a post on Twitter that it would block YouTube channels connected to RT and Sputnik across Europe. 

"Due to the ongoing war in Ukraine, we're blocking YouTube channels connected to RT and Sputnik across Europe, effective immediately," reads a tweet from the official Google Europe account. "It'll take time for our systems to fully ramp up. Our teams continue to monitor the situation around the clock to take swift action."

Google, the video giant's parent company, didn't immediately respond to questions on how many YouTube channels would be blocked. RT's main channel on YouTube has more than 4.6 million subscribers, while Sputnik has over 300,000 subscribers. 

Facebook's move came a day after Meta announced it had restricted access to several accounts, including from Russian state-controlled media, in Ukraine after a request from the government there. Meta has been facing more pressure to take action against these media outlets for spreading propaganda and false claims after Russia's invasion of Ukraine.

On Sunday, European Commission President Ursula von der Leyen said in a tweet that the EU's executive branch is developing tools to ban "toxic and harmful disinformation" published by RT and Sputnik and their subsidiaries. The EU is an economic and political union of 27 countries, including France, Germany and Spain.

Following Facebook's move on Tuesday, RT took issue with unspecified comments from European government officials and actions by social media platforms, with its deputy editor-in-chief saying in a statement that no one had pointed to specific evidence of falsehoods appearing on its site during the Ukraine crisis. In its own statement, Sputnik's press arm characterized the restrictions as an "information war against the Russian media."

RT and Sputnik are on other social media sites, including Twitter and TikTok. A spokeswoman for TikTok said users in the EU won't see content from RT's and Sputnik's accounts. Twitter started labeling state-affiliated media, but a spokeswoman said the company had "nothing to share at this time" when asked if the company was also planning to restrict RT and Sputnik. 

The rare move by Meta also raises questions about whether Russia will further restrict access to Facebook and Instagram. Ukrainians have put pressure on Facebook to remove access to the main social network and Instagram in Russia, but Clegg said Sunday those platforms are also being used by protesters and as a source of independent information. "The Russian Government is already throttling our platform to prevent these activities. We believe turning off our services would silence important expression at a crucial time," Clegg said in a tweet on Sunday.

Russia said last week that it's partly restricting access to Facebook after the social network refused to stop fact-checking and labeling content posted on Facebook by four Russian state-owned media organizations. Russia's telecommunications regulator, Roskomnadzor, alleges Facebook violated "fundamental human rights" by restricting the country's state-controlled media.

Facebook and YouTube have also been barring ads from Russia state media. Twitter also said last week that it's temporarily pausing ads in Ukraine and Russia. 

On Sunday, Meta also announced that it removed a network of about 40 fake accounts, Pages and Groups on Facebook and Instagram from Russia and Ukraine. Meta said some of these accounts pretended to be news editors and ran fake news websites and published stories that included "claims about the West betraying Ukraine and Ukraine being a failed state." Meta, which owns Facebook, Instagram, Messenger and WhatsApp, created a special operations center with experts who speak Ukrainian and Russian to help monitor its platform.

CNET's Carrie Mihalcik contributed to this report.


Source

https://rarasnjna.kian.my.id/

.

What States Can And Can't Do When Banning Abortion


What States Can and Can't Do When Banning Abortion


What States Can and Can't Do When Banning Abortion

For more information about your reproductive health rights and related federal resources, you can visit the US government's

Reproductive Rights

site.

Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.

In this still developing landscape, how confident can people be that their treatment is still legal?

"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."

The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic." 

On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.

Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.

Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law? 

"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said. 

The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.

Boxes of mifepristone and a bottle of misoprostol tablets sit on a table

Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.

Robyn Beck/Getty Images

Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to  navigate around new state laws.

Here's what we know today.

Can states ban abortion pills? Not completely, but some are trying. 

Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.  

"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.

But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).

Pill packet on a yellow envelope marked
Peter Dazeley/Getty Images

The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.) 

Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."

"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.

Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.   

But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.

Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps  

A woman holds her abdomen in pain

Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more. 

Svetlana Gustova/Getty Images

Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.  

Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently. 

This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed. 

"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal. 

The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.

But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line. 

"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."

The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason. 

Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.

Activists on both sides of the abortion issue protest outside the US Supreme Court in 2020
Saul Loeb/AFP/Getty Images

States are not prosecuting people who have abortions (yet)

Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant. 

But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.

"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."

Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care. 

That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them. 

So will doctors report you if they suspect you had an abortion? 

"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might." 

An illustration of a woman's body surrounded by medical equipment

Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.

Carol Yepes/Getty Images

Birth control is still protected under the Affordable Care Act

Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.) 

Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them. 

Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient. 

The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.

Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.

Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?   

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


Source

Tags:

Nebraska Police Obtained Facebook Messages About Teen's Alleged Abortion


Nebraska Police Obtained Facebook Messages About Teen's Alleged Abortion


Nebraska Police Obtained Facebook Messages About Teen's Alleged Abortion

Facebook parent Meta provided Nebraska police with messages between a teenager accused of having an illegal abortion and her mother after the social media giant was served with a search warrant, court documents show.

Police in Norfolk, Nebraska, started the investigation in April before the US Supreme Court overturned Roe v. Wade, the landmark 1973 decision that established abortion rights. The Supreme Court's decision has sparked concerns about how online data could be used as criminal evidence against people seeking abortions.

The Lincoln Journal Star earlier reported that 41-year-old Jessica Burgess is facing criminal charges for allegedly helping her daughter, who was 17 years old at the time, abort, burn and bury her fetus. The mother pleaded not guilty, and will face a trial in Madison County District Court. (CNET isn't identifying the daughter, who was a minor at the time of the alleged abortion.)

The teenager told a Norfolk Police detective that she miscarried and gave birth to a stillborn, court documents say. Nebraska bars most abortions 20 weeks after fertilization and police determined from the teen's medical records that she was more than 23 weeks pregnant at the time.

When the detective interviewed the teenager about the timing of the miscarriage, the teen scrolled through messages on her Facebook Messenger account from April, when she was trying to get her mother's attention. The detective then identified the mother and daughter's Facebook accounts.

"I know from prior training and experience, and conversations with other seasoned criminal investigators, that people involved in criminal activity frequently have conversations regarding their criminal activities through various social networking sites, i.e. Facebook," Ben McBride, a detective for the Norfolk Police Division, said in an affidavit supporting the search warrant to Meta. The document states the detective believes the premises of Meta "are being used for the purpose of securing or keeping evidence related to Prohibited Acts with Skeletal Remains."

The detective outlined the Facebook data he was seeking related to the investigation, including photos and private messages. The police were then able to seize more than 250,000 kilobytes of data tied to the teenager's Facebook account, including account information, images, videos and messages, and more than 50,000 KB of data associated with Jessica Burgess' account, according to court documents. 

The Facebook messages suggested that Jessica Burgess had given her daughter instructions about how to take abortion pills after obtaining them, the Lincoln Journal Star reported. After police obtained the Facebook messages, Jessica Burgess faced two more felony charges for allegedly performing or attempting an abortion on a pregnancy at more than 20 weeks and performing an abortion as a non-licensed doctor, The Lincoln Journal Star reported. Burgess and her daughter faced other charges in June, including removing, concealing or abandoning a dead human body.

Meta didn't answer questions about how many of these types of requests it's received.

Meta spokesman Andy Stone told Forbes that he couldn't immediately confirm any details about the incident. He tweeted late Tuesday that the company received the warrants in June before the Supreme Court overturned Roe V. Wade.

"The warrants concerned charges related to a criminal investigation and court documents indicate that police at the time were investigating the case of a stillborn baby who was burned and buried, not a decision to have an abortion," Stone tweeted.

Motherboard earlier obtained documents about the case that included the messages between the mother and daughter.

Neither the mother nor the daughter immediately responded to request for comment.

The police and Meta's actions have sparked more scrutiny over the social network, which has been plagued with data privacy scandals. On Tuesday, some Twitter users were urging women to #DeleteFacebook and the hashtag was trending.

Civil rights advocacy group Color of Change also raised concerns that "anti-abortion extremists" would use social media to "coordinate the harassment and bounty hunting of people seeking abortions."

Messages on Facebook Messenger aren't encrypted by default, which would prevent Facebook or anyone else from viewing the messages. Facebook Messenger users can send encrypted messaged by turning on a feature known as secret conversations.


Source

Tags:

How To Pick Your First Credit Card To Start Building Credit


How to Pick Your First Credit Card to Start Building Credit


How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

  • Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
  • Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
  • Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Source

Tags:

How To Pick Your First Credit Card To Start Building Credit


How to Pick Your First Credit Card to Start Building Credit


How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

  • Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
  • Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
  • Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Source

Tags:

Search This Blog

Menu Halaman Statis

close