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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

in Seymour, Indiana, on Thursday morning.According to information from Safe Haven Baby Boxes, a healthy baby was safely surrendered in the baby box at the Seymour fire station. The baby was immediately transported to a local hospital for care."We are proud to have this resource available for the residents of Seymour, Indiana," Fire Chief Brad Lucas said in a release. "We strive everyday to ensure the safety of our residents and this is just a way to ensure the safety of newborns."The baby box in Seymour became available last year when Hunter Wart, a high school senior, raised the money to place the box in the fire station.The fire department was notified by the alarm as soon as the newborn's mother opened the outside door to place the baby in the box. Within 60 seconds, the newborn baby was retrieved from the box and received medical care. "This mother loved this child and it takes a very special person to want what's best for a child and know that it's not her," Monica Kelsey, founder of Safe Haven Baby Boxes, said. "That's the ultimate act of selflessness. I'm so thankful she chose a safe place to surrender her child and not a dumpster or trash can like we see too many times."This is the fifth baby surrendered in a baby box in the past two years in Indiana and the third to be surrendered in the past 134 days.According to information from Safe Haven Baby Boxes, the company has helped 68 women and infants with safe surrenders, assisted with 6 adoption plans, and have referred hundreds to pregnancy crisis centers around the country. The Safe Haven Baby Boxes Crisis Line (1-866-99Baby1) is available for women to speak to a licensed counselor if they are considering surrendering their baby and also to provide ongoing counseling to women who have surrendered.There are 21 active baby boxes in Indiana and 25 boxes in three states. 1858

With November being "National COPD Awareness Month,” experts urge patients who suffer from Chronic Obstructive Pulmonary Disease to verify their treatment plans, and to be diligent about COVID-19 precautions.Seventy-one-year-old Janice Cotton is a self-proclaimed "advocate for COPD-ERS." Her advocacy is all over YouTube. She says, “Oh, I think so!.. I think I’m a YouTube star.”Cotton said she likes to tell her story, and while full of personality, her road to advocacy wasn't easy.“In 1997, my mom died from COPD,” Cotton said. “We didn’t know what it was. We had no idea. The last thing she said was, ‘Janice, please stop smoking.’”She said she smoked a pack a day for more than 40 years. Even after being diagnosed with COPD, she says she still smoked.“I didn’t quit smoking when he told me, because when I went into the office to get the test, I was told you’ll be dead in 10 years so I said, ‘What the heck? I may as well keep smoking,’” Cotton said.Eventually, she quit, and now urges others to do the same.Does Cotton still crave tobacco?“Oh no way Jose. Not at all; I don’t crave it,” Cotton said. “I don’t think about it. I tell people who are thinking about smoking, I say, 'Put a straw in your mouth, toothpick, something, anything but a cigarette.'”“This is a treatable disease,” said Dr. Tom Corbridge, pulmonologist, a faculty member at the University of Northwestern near Chicago, and GlaxoSmithKline medical expert. “It is a progressive illness but it's also a treatable illness and the sooner you get in, the sooner you connect with a trusted healthcare provider, the sooner you can get help to restore some of the things you’ve lost.”He says COPD is an umbrella term for chronic lung disease, which include things like emphysema and chronic bronchitis. He says there are 27 million patients with COPD in the U.S. and it's the fourth-leading cause of death.“The main symptom that COPD causes (is) shortness of breath," Corbridge said. It's "hallmark symptom that would be worse with exertion, but also cough, raising of phlegm or mucous and wheezing are really the hallmarks of the disease.”Those symptoms, he said, can be complicated by COVID-19.“The pandemic has impacted my life and my disease management,” Cotton said. “So many of us were scared (of) death and afraid and didn’t want to go anywhere, didn’t want anybody to come see you.”In a recent GlaxoSmithKline study, 83% of people living with COPD agree that COVID-19 has been a wake-up call about the vulnerability of the illness. But, Cotton said she's using her voice to make sure all COPD patients are diligent about things like face masks, hand washing and social distancing. She also recommends having what she calls an "action plan" with your doctor.“I want people to understand and realize that knowledge is power. The more you investigate and research, the better off you’ll be when it comes to managing COPD,” Cotton said.Doctors say the most important aspect is staying in touch with your physicians and staying on top of your symptoms. 3035

Your morning just got a little sweeter because Krispy Kreme has a deal that will feed you and your friends for a fantastic price.Stop in at any of their stores nationwide on Wednesday, Dec. 12, and you'll get a dozen original glazed doughnuts for as part of their annual "Day of the Dozens" promotion. That's a great price, considering a dozen normally costs about .  395

With the midterm elections less than a month away, President Donald Trump is back on the campaign trail, trying to rally Republicans to vote.To boost turnout, the president is making the election about him.“I'm not on the ballot, but in a certain way I’m on the ballot, so please go out and vote,” Trump said at a recent rally. “And I’m not on the ticket, but I am on the ticket, because this is also a referendum about me. Get out and vote. I want you to vote. Pretend I’m on the ballot.”The president's calendar is stacked with appearances, with four just this week. Not even Hurricane Michael, one of the strongest storms to ever hit the U.S., stopped President Trump from attending a campaign rally last night.The president defended his decision to go to the rally, saying people waited in line to see him.“What are you going to do? Tell thousands of people that have been waiting there all night that we're not coming? That's not fair either,” Trump said.Trump did, however, call it "wrong" when President Obama attended a campaign event back in 2012 when a smaller hurricane hit the east coast.But with control of Congress up for grabs, right now the stakes are high for the president. Republicans keeping the majority in the Senate is incredibly important for the president's agenda. The idea of keeping a majority in the House would be important personally, considering the dynamics of impeachment. 1419