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-- including the American Civil Liberties Union and NARAL Pro-Choice America -- are participating in #StopTheBans protests nationwide. Rallies began taking place at noon local time 182

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

his staff says.McConnell suffered a fractured shoulder after a fall at his Louisville home earlier this month. His campaign staff released a statement saying that the GOP leader is healing and resting."Senator McConnell had successful surgery yesterday in Louisville, Kentucky to repair a fracture in his shoulder. The surgery was performed without incident, and the Leader is grateful to the surgical team for their skill," David Popp, McConnell's communications director, said.McConnell is 77. Congress is currently in the middle of a recess, so he is not due in Washington for legislative duties.This story was originally published by Melissa Ratliff on 659

for his role in the death of Eric Garner.ORIGINAL STORY: A final decision on the future of the officer accused of fatally choking Eric Garner is expected to be announced by New York Police Commissioner James O'Neill at 12:30 p.m. Monday, according to multiple law enforcement officials.Officer Daniel Pantaleo was found guilty in a disciplinary trial earlier this month of using a chokehold on Garner, the New York man whose final words, "I can't breathe," became a rallying cry for the Black Lives Matter movement.The departmental administrative judge officially recommended Pantaleo be fired. O'Neill had been expected to follow the recommendation, a senior law enforcement official said then. Pantaleo has been suspended pending the commissioner's decision, the NYPD spokesman said.The decision comes more than five years after police tried to arrest the 43-year-old father of six, who was allegedly selling loose cigarettes illegally on Staten Island. In video of the arrest, Pantaleo can be seen wrapping one arm around Garner's shoulder and the other around his neck before jerking him back and pulling him to the ground.As Pantaleo forces Garner's head into the sidewalk, Garner could be heard saying "I can't breathe. I can't breathe." He died shortly afterward.Garner's death, three weeks before the death of Michael Brown in Ferguson, Missouri, started the resurgence of police accountability and brought the Black Lives Matter movement to the forefront, Rev. Al Sharpton said last month.The "I can't breathe" phrase reflected the suffocating frustration with what activists said was a lack of police accountability after police killings of unarmed African Americans. The phrase was widely heard and seen at protests, and NBA stars like LeBron James bore the message on T-shirts in support of the cause.Judge recommended he be firedThe departmental disciplinary trial focused on whether Pantaleo used a department-banned chokehold in the arrest.The city medical examiner's office ruled Garner's death a homicide in the days after his death, and the medical examiner testified that Pantaleo's alleged chokehold caused an asthma attack and was "part of the lethal cascade of events."Pantaleo denied that he used the maneuver, but Deputy Commissioner of Trials Rosemarie Maldonado ruled that a chokehold triggered a series of events that culminated with Garner's death, according to the report, which CNN obtained from a source familiar with the matter."Here, (Pantaleo's) use of a chokehold fell so far short of objective reasonableness that this tribunal found it to be reckless -- a gross deviation from the standard of conduct established for a New York City police officer," Maldonado wrote. "Moreover, (Pantaleo's) glaring dereliction of responsibility precipitated a tragic outcome."Despite the disciplinary trial, Pantaleo has avoided criminal charges in the death. A grand jury in New York declined to indict the officer in 2014, and the city of New York settled with Garner's estate for .9 million in 2015. The Justice Department declined to bring federal civil rights charges last month. 3109

Younger gun owners report carrying their firearms on them much more frequently than older gun owners, expressing a higher level of support for concealed carry, according to a poll conducted in July by Ipsos in partnership with Newsy for its new special report "Young Guns."While younger Americans in the survey were just as likely to own guns (28 percent) as older generations (27 percent), they were almost twice as likely to report carrying their guns on them, with 43 percent of younger gun owners (ages 18-34) polled saying they carry a gun at least once a month compared to 23 percent of older American gun owners (ages 35 and up).While popular belief may view younger generations as less tolerant of guns, the Newsy/Ipsos survey results show a far more nuanced view. The survey also reveals the emerging habits and attitudes for young gun owners after the last decade of rapid growth in gun sales and in the number of concealed carry permits.The findings are explored in "Young Guns," a Newsy special report that flips the narrative about younger Americans and guns by examining changes in the gun industry and its consumers — from an increasing interest in self-defense to a growing online community of gun-focused video channels. The special report debuted on Monday night during Newsy's evening newscast, "The Why," and is now available on most streaming platforms.The Newsy/Ipsos poll also finds: 1414