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on Wednesday after a fight broke out at a local fast-food restaurant.According to a Wednesday post on the Stuart Police Department Facebook page, officers received a report of a fistfight inside a Five Guys restaurant."Can you guess how many guys were arrested at this location?" the department wrote on Facebook.Yes, it was five guys that were involved in the fight at the Five Guys. Police said all five of the guys, three juveniles and two adults, were charged with affray and processed at the Martin County Jail.The department said the cause of the fight is unknown. 573
Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

(IED) and there was no detonation."Based on its appearance, responders originally suspected an explosive device had detonated. Investigation by officials determined it did not explode," wrote the Lewis and Clark County Sheriff’s Office in a Facebook update.The sheriff's office says the object that prompted an evacuation was actually a bottle filled with gears or machine parts and an unknown liquid that does not appear flammable.Sheriff Dutton says over the course of an investigation, officers spoke to a homeless man who they believe found the bottle and moved it from a nearby construction site to Rossiter Elementary School’s playground.Dutton emphasized that the school and the district took the appropriate steps after finding the object due to the unknown nature of it. Students and staff were evacuated and all schools in the district were placed on lockdown as they were searched. The schools were later cleared and the lockdowns were lifted. Additional tests will be completed on the object found on the playground, but they are not expected to show any dangerous material.Rossiter is expected to reopen to students on Wednesday. 1144
at STEM School Highlands Ranch, Colorado made his first court appearance Wednesday afternoon, and the student killed days before his senior year was set to end was identified by his parents.Douglas County Sheriff Tony Spurlock, 18th Judicial District Attorney George Brauchler and Gov. Jared Polis hosted the news conference early Wednesday, flanked by their school and law enforcement partners, and told the northeast Colorado community reeling from another mass shooting to come together for the victims.“This does not define us. It won’t today and it won’t tomorrow,” Brauchler said, calling the latest shooting an “aberrant” act and urging the community to mourn, to support one another, and to continue to send their children to school.“Our hearts are hurting for them,” Polis said of the school community, adding that he felt “frankly sick” about the latest Colorado shooting.MORE | 891
With the 20th anniversary of 9/11 coming up next year, the children of 9/11 first responders are coming together to share their stories for the first time in a new book due out next year."Even though we all experienced the day, we wall experienced it differently," said Susan Fiorentino, daughter of NYPD Retired Detective Pete Fiorentino, who responded to the World Trade Center attacks. "I was 10," said Susan, now 29 years old. It was Fiorentino's idea and she is leading the project to collect stories. "It’s important to raise awareness this is still a community that is suffering and we need to support them."So far, she has gathered 50 stories, including her own. She says the experience of 9/11 has influenced her and so many other 9/11 children to lead a life of service."I had a lot of people who said because my father because my mother was a first responder, that is what made me get into the first responder field," she said.She is still looking to collect more stories about how the children of 9/11 responders saw their childhood and now adulthood impacted by the day, documenting history through the eyes of some who have never told their stories before."Through connecting with others in my own experience in getting help with being a 9/11 first responder child has helped me so I hope it would help others as well," she said.The book will be published next summer. All the proceeds will go to the Tunnel to Towers Foundation, which honors first responders and members of our armed forces.Anyone interested in submitting their story should e-mail Susan before December 1 at Susan.Fiorentino11@gmail.com.This story was first reported by Christie Duffy at WPIX in New York, New York. 1706
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