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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

her and fellow Rep. Ilhan Omar from visiting the country."Congresswoman Tlaib has sent tonight a letter to Minister Deri in which she committed to accept all the demands of Israel to respect the restrictions imposed on her in the visit, and she also promised not to advance boycotts against Israel during her visit," Interior Minister Aryeh Deri said Friday in a statement announcing his decision.The request from Tlaib of Michigan came a day after the country barred her and Omar, a freshman Democrat from Minnesota, from entering because of their support of a boycott against Israel. Israel's decision to bar their entry was encouraged by President Donald Trump in a remarkable step both by the US President and his ally, Israeli Prime Minister Benjamin Netanyahu, to punish political opponents.Tlaib had asked Deri for access so that she could visit her relatives, "and specifically my grandmother, who is in her 90s and lives in Beit Ur al-Fouqa. This could be my last opportunity to see her.""I will respect any restrictions and will not promote boycotts against Israel during my visit," Tlaib promised in the letter.The boycott movement, formally known as the Boycott, Divest, and Sanctions (BDS) movement, aims to end international support for Israel because of its policies toward Palestinians, as well as its continued construction of West Bank settlements, considered a violation of international law.Tlaib and Omar have been vocal critics of Israel and have supported the boycott movement, voting against a House resolution condemning the movement, which received broad bipartisan support.Strategic Affairs Minister Gilad Erdan, who leads Israel's fight against the boycott movement, tweeted Friday morning, "The request from Congresswoman Rashida Tlaib to visit her grandmother should be approved. Especially in light of her commitment to abide by Israeli law and not advance boycotts against us."Erdan is one of the members of the forum who met on Wednesday to discuss whether to allow Reps. Tlaib and Omar to enter the country.Ban came after Trump interventionThe announcement Thursday to prohibit the congresswomen from visiting Israel came shortly after Trump said Israel would be showing "great weakness" by letting them in.Trump has criticized the two lawmakers -- who are the first two Muslim women elected to Congress -- in harsh and sometimes racist terms. But his move to call for their ban in Israel reflects a new chapter in his grudge and a further erosion of presidential norms, which in the past sought to avoid instilling partisanship in foreign affairs.Trump's comments left Israel with little wiggle room, especially for Netanyahu, who has never publicly disagreed with Trump."The plan of the two Congresswomen is only to damage Israel and to foment against Israel," Netanyahu said in a statement following the decision.Omar responded to the decision Thursday slamming it as "an insult to democratic values.""It is an affront that Israeli Prime Minister Netanyahu, under pressure from President Trump, would deny entry to representatives of the U.S. government," Omar said in a statement. "Trump's Muslim ban is what Israel is implementing, this time against two duly elected Members of Congress."Omar went on to say, "As a member of the House Committee on Foreign Affairs, it is my job to conduct oversight of foreign aid from the United States of America and to legislate on human rights practices around the world. The irony of the 'only democracy' in the Middle East making such a decision is that it is both an insult to democratic values and a chilling response to a visit by government officials from an allied nation."Israel's decision to deny entry to the two freshmen congresswomen was a turnaround of a position taken last month when the country's Ambassador to the United States Ron Dermer said the pair would be permitted to visit Israel and the Palestinian territories. 3915

Magazine confirmed.Tyson, 60, has been one of the leading voices in astrophysics for the last two decades, hosting a number of TV programs. But allegations involving Tyson’s past have taken him off the air. According to Variety, two women have accused Tyson of past misconduct. Bucknell University’s Dr. Katelyn N. Allers accused Tyson of groping her in 2009. Ashley Watson, a former assistant of Tyson’s, accused the scientist of making unwanted advances on her. “In order to allow the investigation to occur unimpeded we chose to hold new episodes of ‘Star Talk’ until it is complete,” a Nat Geo rep told Variety. “We expect that to happen in the next few weeks at which time we’ll make a final decision.”Tyson said in a Facebook post that he welcomes an investigation, and denies the women’s allegations. “In any claim, evidence matters. Evidence always matters,” he said. “But what happens when it’s just one person’s word against another’s, and the stories don’t agree? That’s when people tend to pass judgment on who is more credible than whom. And that’s when an impartial investigation can best serve the truth – and would have my full cooperation to do so.”Tyson went on to say, “Accusations can damage a reputation and a marriage. Sometimes irreversibly. I see myself as loving husband and as a public servant – a scientist and educator who serves at the will of the public. I am grateful for the support I’ve received from those who continue to respect and value me and my work.“Star Talk” was set for its fifth season on NatGeo. The program features Tyson interviewing celebrities and other scientists on a variety of issues. While Star Talk’s status is in question, another program, a reboot of “Cosmos,” is also in question. NatGeo and Fox were set to air the 13-episode run starting in March. 1810

for allegedly abusing two students on his bus. Mesa police report that on Tuesday, Jamie Tellez, 50, was driving a bus for Mesa Public Schools in the area of Recker Road and University Drive. Police say there were two students left on the bus when a 10-year-old student threw trash toward a trash can at the front of the bus. Court records show that Tellez "abruptly stopped the bus in the middle of the street, causing the other 11-year-old child to fly forward, striking his head on the windshield. Police say the impact caused a large crack in the windshield. Tellez then allegedly grabbed the victim by his backpack and pushed him to the rear of the bus. He then cursed and threatened to beat the other student, police say. 730

officials said.According to a news release from the Virgin Islands National Park, 48-year-old Lucy Schuhmann went missing Sept. 19 on St. John, the smallest of the Virgin islands.A missing person's page has been set up for 225

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