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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

artists in Nashville, persuading a man to give up hundreds of thousands of dollars.Award-winning bluegrass artist Rhonda Vincent says she first learned about someone targeting her fans when the FBI called her husband, who's also her manager.The FBI special agent asked Vincent if she knew the victim in the case. Though she had met the fan before, she had no idea he was under the impression the two were in a relationship."My only thing with that is, if we were having a relationship, wouldn't we at least have dinner," said Vincent.According to Vincent, the victim even left his wife and came to one of her concerts saying he was there to start a new life with her.Officials say the scammer had not only convinced the fan of the pair's secret love, but also got him to send thousands of dollars in gift cards and cell phones to an unknown location. They convinced the victim to continue sending money, but would always give an excuse why the pair couldn't meet in person."They have pictures of boxes and boxes of gift cards that were sent. If someone is asking you for something like that, just don't believe it," said Vincent.FBI Special Agent Richard Baer specializes in white collar crime like this. He said scammers have become skilled in creating convincing stories."They sit full-time in a lot of different places around the world with information and the interconnection that we all have with social media and the internet. They're targeting people," said Baer.Baer said gift card transactions or someone asking for money very urgently are all signs that the person on the other end may not be who they say they are. Also, they tend to play on fans or people who seem like they're lonely."It can have real negative implications. It might cause strains in personal relationships," he said.It caused stress for Vincent, who said the victim's ex-wife has contacted her husband repeatedly, asking and accusing Vincent of sending her ex-husband naked photos. She wasn't."I am concerned that a wife, a jealous wife that thinks her husband is getting naked photos from me or is leaving her. That concerns me. I think it's getting into a dangerous situation," said Vincent.Even though Vincent, her husband and the FBI have all told the fan that he had been scammed, he's continuing to talk with the scammer.She said other fans have also been targeted, a police officer was contacted in a similar manner. A scammer was trying to get the officer's personal information."[They] said 'prove what a super fan that you are. We want you to prove it. Send us a check and we'll send you some merchandise. You sell the merchandise and prove to us what a super fan that you are.' He toyed with them for a while and then they kept pushing him for an address, pushing him for an address, and he gave them the address to the police station and they gave up on him after that," she said.This story was originally published by Kyle Horan at WTVF. 2933

on their walk to school.Terri Johnson is a substitute crossing guard for Tooele City.This week as the weather has cooled down, she noticed some of the kids walking to school without coats.That’s when she came up with a simple idea to help out.“They’re going to school wrapped in blankets and that’s not enough,” Johnson said.This week she decided to do something about it. She posted on Facebook, asking people to donate coats for the kids.“It was just an idea to post it there and see what would happen; it has just been phenomenal,” Johnson said.She’s already seeing some response from the community, getting several small trash bags full of coats.She said there’s still more kids who need help, and she’s hoping the community will come together for not only the kids in Tooele, but those in other cities too.“I can’t do it by myself, but if you had something in your closet that your kids not wearing anymore, why not help somebody out?" Johnson said.Anyone interested in donating to the cause should 1006

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-- create a moment that raises their standing outside of the top four?The timing is important, too. Not only is the debate the second to last contest on the calendar before the Iowa caucuses, but the candidates will debate the day after the House of Representatives voted to 276

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