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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

after he used a front end loader to dump dirt on a car his girlfriend was driving.Hunter Mills, 20, asked his girlfriend to meet him in Crestview to talk, according to the 174

YORBA LINDA, Calif. (CNS) - A wind-driven brush fire that broke out on the west end of Corona in Riverside County and quickly spread into Orange County -- threatening homes in Yorba Linda and blackening 15,200 acres -- was 0% contained Tuesday.Initially called the Green Fire and later renamed the Blue Ridge Fire, the blaze was reported at 12:55 p.m. Monday adjacent to the Green River Golf Club, just off of Green River Road and the Riverside (91) Freeway, according to the Corona Fire Department.Ten homes were damaged in the blaze, but the location and extent of damage were not immediately available, according to the Orange County Fire Authority, which added that more than 1,000 firefighters were battling the blaze.Evacuations have been ordered in 5,958 homes in Chino Hills and 2,500 homes in Yorba Linda. In Brea, 276 homes were ordered evacuated, 680 homes voluntarily evacuated and no homes were damaged there, officials said.Unlike most of the day Monday, firefighters on the ground were expected to get help from helicopter water drops on Tuesday as the intense winds have lessened, Orange County Fire Authority Capt. Thanh Nguyen said."It's windy, but not as bad as yesterday," Nguyen said.There have been several water drops from the sky for the Silverado Fire on Tuesday, Nguyen said.Firefighters are not concerned the two blazes will merge, Nguyen said."Unless we had some weird weather pattern I don't see them catching up to each other," Nguyen said.As the San Bernardino County city of Chino Hills moved to get residents out, some complained about difficulties understanding what areas were covered by the evacuation order just before 9 a.m."Post a map of the areas that need to evacuate," TheDudeAbides1998 replied on Twitter to the City's evacuation announcement. "The site is NOT working and this post is not helpful."User Angela Villalpando seemed to be experiencing a similar concern."Please post an updated map of the areas," Villalpando wrote. "You keep telling people to go to the site, but it isn't updated, and it's lagging because everyone is trying to see if they are evacuated."The miscommunication appeared to be due to specific evacuation boundaries not appearing as text along with the interactive map showing the area covered by the order.Brea and Chino Hills officials were handling evacuation orders, Nguyen said."We're trying to organize it so it's one central point of information," Nguyen said.The new evacuations follow ones announced by the OCFA at about 11 p.m. Monday for residents living in thousands of homes in the following areas:-- The Hidden Hills community and Yorba Linda, north of the Riverside (91) Freeway, east of Gypsum Canyon-- All of Carbon Canyon from the county line to Summit Ranch in Chino in San Bernardino County-- Homes on both the west and east sides of Carbon Canyon Road, including Sleepy Hollow, Oak Tree Downs, Pine Valley Estates, Western Hills and Summit Ranch to the west of Chino; Valley Springs, Carriage Hills and Old Carbon Canyon Road to the eastMandatory evacuations were issued just after midnight by Brea city officials for residents in all of Carbon Canyon, east of Brea Hills to the county line, including the Olinda Village and Hollydale neighborhoods, and voluntary evacuations were urged for the Olinda Ranch and Brea Hills areas.At about 2 a.m. Tuesday, an evacuation warning was issued by Los Angeles County officials for an area south of Diamond Bar, bordered by Grand Avenue to the north, Diamond Bar Boulevard to the west, the Los Angeles/Orange county line to the south and the Los Angeles/San Bernardino county line to the east.Mandatory evacuation orders were issued at 4:25 a.m. in Chino Hills for residents south of Soquel Canyon Parkway, including the entire area of Bell Ridge Drive and Golden Terrace Drive on the west to Misty Hill Drive on the east. Also under a mandatory evacuation order are communities north of Soquel Canyon Parkway at Pipeline Avenue, west of Wickman Elementary School, including homes on Winged Foot Way, Pebble Beach Lane, Singing Hills Drive, August Drive and Firestone Lane.Evacuation orders issued Monday night included all Carbon Canyon from the county line, west of Sleepy Hollow to Summit Ranch on both the north and south sides of Carbon Canyon Road and the Village Oaks area, west of Peyton Drive near Bayberry, including Oak Creek Road, Oak Canyon Drive and Oak Crest Drive and the entire Vellano community. The evacuation order includes Sleepy Hollow, Hill of Hope, Hillcrest, Oak Tree Downs, Pine Valley Estates, Western Hills Estates, Valley Springs/Western Hills Oaks, Carriage Hills and Old Carbon Canyon Road to the south.An evacuation warning was issued about 1:25 a.m. for residents in the Butterfield Ranch, west of Butterfield Ranch Road, south of Pine Avenue to Chino Valley (71) Freeway.There were no evacuation orders or warnings for Corona, according to the OCFA.The high winds grounded aircraft used to battle fires for most of the day, but by late Monday afternoon, a DC-10 was up in the air making air drops in Yorba Linda, Fennessy said."But we're also told we can expect (winds) to increase in the early morning hours until they die off sometime tomorrow (Tuesday) afternoon," OCFA Chief Brian Fennessy said.On Monday, multiple engine crews including some from the Riverside County Fire Department encountered flames moving rapidly west up a hillside, powered by 30 mph Santa Ana winds.The head of the fire entered Orange County about 1:20 p.m. Monday, and the flames raced toward Yorba Linda, posing a threat to scores of residences.By Tuesday morning Chino Hills authorities said they were hopeful about the response since winds are predicted to average around 10 miles per hour with gusts of only 20 miles per hour. That means water bombers could be used if conditions don't deteriorate, the spokesperson said.There was no immediate word on the cause of the fire.A grant from the Federal Emergency Management Agency was secured Monday by Gov. Gavin Newsom. The grant will assist local and state agencies responding to the fire to apply for 75% reimbursement of their eligible firefighting costs. 6163

in South Carolina on a murder charge in connection to the case.El Paso County Sheriff Bill Elder said Letecia Stauch was arrested Monday morning in Myrtle Beach, South Carolina in connection to the disappearance of Gannon Stauch. She had reported him missing on Jan. 27. She was taken into custody on charges of first-degree murder of a child under the age of 12 by a person in a position of trust, second-degree child abuse resulting in death, tampering with a deceased human body and tampering with physical evidence, Elder said. He called this arrest part of a "rapidly developing and highly complex investigation."Letecia is being held without bond at the J. Reuben Long Detention Center in Horry County, South Carolina, and will remain there until she is extradited back to Colorado Springs, Elder said. El Paso Sheriff's Lt. Mitch Mahalko said they are not releasing the information that resulted in Letecia's arrest, but noted that the investigation has been methodical across multiple states. "While we have not yet found Gannon, information has been developed that is helping us narrow our search," he said. "As you can see from the arrest, sadly, we do not believe Gannon is alive. Our work is only just beginning."He said residents in El Paso County will see many law enforcement officials in the county over the coming weeks, and possibly months, as they continue the investigation. As authorities explained the new development, Gannon's parents — mother Landen Hiott and father Albert Stauch — stood behind them and held hands with their heads bowed. Hiott then stepped to the podium. She said while authorities have said that her son is no longer with us, she feels that "he is with us.""After the stories from people all over the world, he's not only my hero now, but he's the world's hero," she said. She said she never thought she'd be standing in that position, and called it a nightmare."I've had to put trust in people I don't know," she said. "Today I got the worst news and the best news. Obviously we know what the worst news is, but the best news is that justice will be served. And I'll make sure of it. Because my boy did not deserve any of this that has happened to him."Jacqueline Kirby, spokesperson for the El Paso County Sheriff's Office, read a letter Albert had written. He described the day his son was born — Sept. 29, 2008 — and how his heart stopped. Albert said his son's infectious smile and constant laughter impacted everybody he met. He had been looking forward to the boy's teenage years as he became a young man. His heart stopped again on March 2, 2020, the letter read. "My little boy is not coming home," it read. He said that means no more Nintendo games together, taco Tuesdays, smooth-looking haircuts or "G-Man" for this world. "The person who committed this heinous, horrible crime, is the one that I gave more to (than) anyone else on this planet, and that is a burden that I will carry with me for a very long time," his letter read. Elder said the investigation has only begun and they will not stop until justice is served. Few details have been released in the case, but crews over the last few weeks have been searching in the same general area 3205

in order to help produce medical equipment for those fighting the coronavirus pandemic.Ford says it will team with 3M, GE Healthcare and the United Auto Workers Union to assemble more than 100,000 face shields per week and use its in-house 3D printing capability to produce disposable respirators for healthcare workers."This is such a critical time for America and the world. It is a time for action and cooperation. By coming together across multiple industries, we can make a real difference for people in need and for those on the front lines of this crisis," said Bill Ford, Ford's executive chairman. "At Ford, we feel a deep obligation to step up and contribute in times of need, just as we always have through the 117-year history of our company."Here's what the companies will produce, according to Ford:Powered Air-Purifying RespiratorsFord team members are working with 3M to increase the manufacturing capacity of their powered air-purifying respirator (PAPR) designs and working jointly to develop a new design leveraging parts from both companies to meet the surging demand for first responders and health care workers. The respirators can be produced in Ford facilities by UAW workers.In order to speed up the process, Ford and 3M teams have been locating off-the-shelf parts — like fans from the Ford F-150's cooled seats or 3M HEPA air filters and portable tool battery packs. All these spare parts can be used to make thousands of respirators. Ford is looking at how it might produce these new-generation PAPRs in one of its Michigan manufacturing facilities, helping 3M boost production potentially tenfold."Working with 3M and GE, we have empowered our teams of engineers and designers to be scrappy and creative to quickly help scale up production of this vital equipment," said Jim Hackett, Ford's president and CEO. "We've been in regular dialogue with federal, state and local officials to understand the areas of greatest needs. We are focusing our efforts to help increase the supply of respirators, face shields and ventilators that can help assist health care workers, first responders, critical workers as well as those who have been infected by the virus.""We're exploring all available opportunities to further expand 3M's capacity and get healthcare supplies as quickly as possible to where they're needed most – which includes partnering with other great companies like Ford," said Mike Roman, 3M's chairman of the board and CEO. "It's crucial that we mobilize all resources to protect lives and defeat this disease, and I'm incredibly grateful to Ford and their employees for this partnership."VentilatorsIn addition, Ford and GE Healthcare are working together to expand the production of a simplified version of GE Healthcare's existing ventilator design to support patients with respiratory failure or difficulty breathing caused by COVID-19. These ventilators could be produced at a Ford manufacturing site in addition to a GE location."We are encouraged by how quickly companies from across industries have mobilized to address the growing challenge we collectively face from COVID-19," said GE Healthcare President & CEO Kieran Murphy. "We are proud to bring our clinical and technical expertise to this collaboration with Ford, working together to serve unprecedented demand for this life-saving technology and urgently support customers as they meet patient needs."Work on this initiative ties to a request for help from U.S. government officials.Respirators and Face ShieldsThe first 1,000 face shields will be tested this week at hospitals in the Detroit area. Roughly 75,000 of these shields are expected to be finished this week and more than 100,000 face shields per week will be produced at Ford subsidiary Troy Design and Manufacturing's facilities in Plymouth, Mich.Ford is leveraging its Advanced Manufacturing Center in Redford, Mich., and in-house 3D printing capabilities to manufacture disposable respirators, which are needed to help filter the air healthcare workers and first responders breathe. Once approved by the proper health agency, Ford will initially start at a pace equal to 1,000 per month but will quickly grow production as fast as possible.Ford is evaluating a separate effort, not involving GE Healthcare with the U.K. government to produce additional ventilators.In China, Ford of China's joint venture partner Jiangling Motors also has donated 10 specially equipped Transit ambulance vans to hospitals in Wuhan.Ford is also reacquiring 165,000 N95 respirators from China that were originally sent by Ford to China earlier this year to help combat coronavirus.Ford has also kicked off a working team to help hospitals locate and secure urgently needed surgical and N95 respirators. Ford has so far committed sending Henry Ford Health Systems 40,000 surgical masks while it locates additional supplies.This story was originally published by 4919