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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

invaded the afternoon sky high above the Kansas City on Thursday.Was it a bird?Was it a plane?Was it Superman?Or *gulp* the staging of an alien invasion?Even the National Weather Service was stumped initially. 211

WWE stars John Cena and Nikki Bella have ended their relationship.The wrestlers were together for six years and in April 2017 Cena popped the question at WrestleMania 33.Bella posted the news Sunday on her official Instagram account."While this decision was a difficult one, we continue to have a great deal of love and respect for one another," she wrote. "We ask that you respect our privacy during this time in our lives."The pair were also featured in the E! reality show "Total Bellas," which centered around their relationship and that of Bella's twin sister Brie and her husband, wrestler Daniel Bryan.The same day Nikki Bella posted the announcement on Instagram, Cena posted a tweet about loss."Hardship, loss, and humility are extremely difficult waters to navigate, but perseverance thru them builds a strength to withstand anything life throws your way," the tweet read.The wrestler-turned-movie star recently told People he already felt married to Bella."People come up to me and say, 'I love watching your wife on television.' And I love that, so that happens to me 10 times before it would be a, 'Yo man I love your work,'" he said. "It's always, 'I love watching your wife on television.'"The couple was reportedly set to wed in May.The-CNN-Wire 1269

With Instagram, Facebook, Snapchat and many others apps having chat features, it can be increasingly difficult for parents to know who is talking to their child.Several years ago, parents warned children about using chatrooms, but now those conversations can take place on popular apps.Mary Murphy has five children younger than age 5. Right now, she limits screen time, but knows she'll need to adjust as they get older."When they get older like driving we should probably give them a phone for safety," Murphy said. "But I don't know much before that. It's just so dangerous to let your kid have a phone and not know what they're doing on it."Grandmother Kathleen Hamilton can't even comprehend having to track her children in the digital age."We didn't have the internet, we didn't have a smartphone," Hamilton said. "You have to really watch as a parent a lot more than I had to because there wasn't that openness with a computer and your name and your email. There wasn't any of that."While many apps students use have chat features, there are apps parents can use as well.Parents in Arizona are crediting the Sentry Parental Control app with helping them find inappropriate messages sent to their child from a teacher, who has since been charged.Other monitoring apps include Flexispy and Qustodio, among many others.Some monitoring apps are more expensive and some are more invasive on a child's privacy. In the end, parents are encouraged to research different apps and figure out what's best for their family.Murphy says that's her plan."As they get older, definitely discussing with them what's on the internet and but then using what's available to parents," she said.  1743

With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181