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-- an inopportune time for residents wanting air conditioning relief from the heat.Detroit is taking extra measures to make sure residents can get relief from the sweltering heat that is also expected in the Midwest.In addition to cooling centers open on the weekdays, the city will open recreation centers on the weekend to give access to air-conditioning, according to a press release.The mayor's office and the Detroit Police Department will also be checking on homeless people to offer them transport to cooling centers this weekend, the release said.Detroit officials are urging residents to drink plenty of water, reduce outdoor activities, eat light and check on family and neighbors.Heat wave made worse by climate crisisJune of this year was the hottest June on record for the world, according to 807

Friday morning, the Associated Press reports.The earthquake occurred near Three Lakes, Washington at 2:51 a.m. local time. The earthquake was followed by a 3.5 aftershock.There were no immediate reports of injuries. 217

Friday morning, the Associated Press reports.The earthquake occurred near Three Lakes, Washington at 2:51 a.m. local time. The earthquake was followed by a 3.5 aftershock.There were no immediate reports of injuries. 217

YUMA, Ariz. (AP) — The acting secretary of Homeland Security said he expected 25% fewer migrants to cross the border this month, as officials in Yuma unveiled their latest outdoor facility meant to detain children and families.The number of illegal crossings would still be too high, but it was a start, he said, crediting Mexico with a concentrated effort to stop Central Americans before they arrived even to Mexico — a push prompted by threats of tariffs by President Donald Trump.The president has seen numbers of migrants crossing the U.S.-Mexico border skyrocket under his term despite his hardline policies and tough-talk. More than 100,000 people, mostly families from Central America, have crossed the border each month over the past few months. Trump sees the monthly border numbers as a benchmark for success, and during previous months when he felt numbers were too high, he threatened to shut down the entire border.McAleenan dismissed the idea that a projected decrease in June was due in part to hot summer months, traditionally a time fewer people crossed."These initiatives are making an impact," he said.Meanwhile, facilities that house detained migrants are vastly overcrowded and advocates and attorneys have decried conditions inside. Border facilities are meant as temporary holding stations, built to hold a maximum of about 4,000, but have routinely held as many as 15,000.Teens and children, detained days or weeks by U.S. border authorities, described frigid cells where flu-stricken youngsters in dirty clothes ran fevers, vomited and cried with no idea when they would be getting out, according to court documents in a case that governs how children are cared for in government custody.Meanwhile, Congress sent President Donald Trump a .6 billion package on Thursday that bolsters care for the tens of thousands of arrivals taken into custody. McAleenan praised the move, but also cautioned there was much more work to do.In Yuma, construction on the new 500-person tent facility began about two weeks ago. Journalists were expected to get a tour of the facility before migrants are placed there.McAleenan also spoke of the tragic image of a father and his toddler, drowned on the banks of the Rio Grande."The situation should not be acceptable to any of us," he said of the deaths. "It should galvanize action and real debate ... And yet here in Washington we have collectively failed to end this crisis. This is not on the men and women of DHS. They deserve better and so do the families of children."___Long reported from Washington. 2574

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

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