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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

in a Southwest Florida neighborhood. A neighbor wants the owner to take it down, calling it disrespectful. However, the owner refuses, saying it’s a freedom of speech.Marlene McDade proudly displays a Trump 2020 flag in her front yard along NW 36th Place in Cape Coral. On Wednesday, she got an anonymous letter from one of her neighbors asking her to take it down.“It’s my freedom. This is my yard,” said McDade.McDade argues taking the flag down is against her First Amendment right.Part of the letter sent to her says, “Flying the Trump flag, you tell all your neighbors that you disrespect them.”“I don’t disrespect anybody in my neighborhood, I treat everybody the same,” said McDade.The letter goes on to say that removing the flag will bring peace to the neighborhood. “People have to understand I don’t stop them from doing what they want to do,” said McDade. “They have no right to stop me from what I want to do in my yard.”Bottom line, she thinks the letter is foolish. “Quit being so negative about everything. Everyone has a right to their opinion, and I usually keep my opinion to myself, but that’s my flag and it’s staying,” said McDade.She said what she puts in her yard is her business.“Even if my neighbors wanted to put a Hillary (Clinton) sign or an Elizabeth Warren sign in their yard, I don’t care. They can do their thing, and I can do mine,” said McDade.WFTX went around the neighborhood asking who wrote the letter, but no one owned up to it.McDade said she’s standing up for her rights and the flag is staying.This story was originally published by Jillian Hartmann at WFTX. 1603

- curbside service for truck drivers."Thank you again for all you’re doing during this uncertain time," said Bill Garrett, McDonald's Senior Vice President of Operations. "Know that we’re doing everything we can to be there for you as long as we can. We’re in this together."In the statement, McDonald's listed the following ways for those who drive big rigs to order food:Use McDonald’s Mobile Order & Pay app, when you arrive at the restaurantSelect Curbside Service and walk to the designated Trucker curbside sign on the sidewalk outside our designated doorComplete your order by entering the appropriate Trucker curbside number and we’ll bring your order to you at the designated door as soon as it’s ready.The McDonald's app is available for download from the App Store for iPhone users or the Play Store for Android users. 834

between Cortez and Telluride in Colorado late last month will stay where it is and the road will be rebuilt around it, Colorado Gov. Jared Polis announced Tuesday.The boulder was one of two massive pieces of rock that 220

With the college soccer season now over, Sarah Fuller has joined the Vanderbilt football team as a place kicker. If she enters the game, she would become the first female to play in a college football game for a Power 5 conference team.Vanderbilt is slated to play Missouri on Saturday,According to Vanderbilt’s official team site, Fuller will make the trip to Columbia for Saturday’s contest.There have been two previous female Division I college football players, Katie Hnida for New Mexico and April Goss for Kent State.Part of the reason Fuller is getting the opportunity is due to COVID-19 and that Vanderbilt has a limited number of specialists able to make the trip due to contact tracing.“I think it’s amazing and incredible. But I’m also trying to separate that because I know this is a job I need to do and I want to help the team out and I want to do the best that I can,” Fuller told Vanderbilt’s website. “Placing that historical aspect aside just helps me focus in on what I need to do. I don’t want to let them down in anyway.”Fuller is coming off the college soccer season, playing in nine games for Vanderbilt. On Sunday, Fuller helped Vandy’s women’s soccer team to an SEC title by defeating Arkansas 3-1. Fuller had three saves in the match.As far as can Fuller make a field goal, she says she can. After Sunday’s game, she was approached by her soccer team’s coaching staff on whether she would be able to kick a football.“I made the first one and I kept making them,” Fuller said. “It sounds really good to me. It’s different than a soccer ball, but it felt good.”Fuller is also using the opportunity to raise funds for charity. She will be wearing a sticker on the back of her helmet “Play Like a Girl.” The charity provides STEM education opportunities for young girls. 1800