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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

if he were elected president.When asked about his plan for a mandatory gun-buyback program for assault rifles during Thursday's presidential debate, O'Rourke responded by saying "hell, yes, we're going to take your AR-15." O'Rourke tweeted the phrase following the debate.Texas State Rep. Briscoe Cain (R-Deer Park), responded to O'Rourke's tweet by saying "My AR is ready for you Robert Francis." Cain later deleted the tweet.O'Rourke responded to Cain's tweet by calling it a "death threat." 496

from a mural after the "hidden" message caused a stir online.The mural, titled "The Devil Is in the Details," was created by New York-based artist ELLE as part of Lexington art collective PRHBTN's annual street art festival. The festival has brought dozens of large-scale works to the city.The colorful piece on the side of a building near Short and Church streets depicts the faces for four women and a snake emerging from a can of spray-paint.But it also contained what the artist said was supposed to be a hidden message: "F*** Trump."By Tuesday night, the words had been spray-painted over. The building's owner confirmed that he had ordered the words be covered up after news of the explicit message caused a stir online.Earlier, the artist said the words were supposed to be invisible unless shown under a blacklight. But for some reason, the special paint didn't dry clear. She also released a statement about the work."In America we are all entitled to share our opinion, and it's important to exercise this right," her statement read, in part. "Let me be clear, this is not about politics, this is about expressing my anger: I am fed up!""I'm not trying to make people angry. I'm trying to make people talk," ELLE said Tuesday.After the words were covered up, she took to her social media accounts to criticize the move, saying: "Free speech isn't a thing in Trump Territory." 1387

— down 9 percent since its peak of 72 percent in 1960, according to the U.S. Census Bureau.Love remains the top reason given for why folks are getting married. That's above things such as the need for companionship, having kids, and financial stability, 255

With wildfires impacting many American wineries, many winemakers are having tougher times testing their grapes.“Everything is so bad, it’s funny,” said Ashley Trout, owner and operator of Brook and Bull Cellars in Walla Walla, Washington.With professional labs that test grapes for smoke taint back logged for more than a month, Trout is now literally taking matters into her own hands, testing grapes during a natural fermentation process and using her senses to spot signs of smoke taint.Trout says instead of waiting five weeks for results from a lab, she’s now getting them in five days on her own.With more challenges in the industry, wine experts say more winemakers are trying creative techniques.“Everybody is going back to the drawing board thinking, 'Okay, what can I do, what will compliment this wine I’m making,’” said Anita Oberholster, Ph.D., with the University of California, Davis viticulture and enology program.She says wildfires have forced many wineries to go back to the basic of wine making.“People are throwing their recipe books away,” Oberholster said. “If you can, rather do hand picking than machine harvesting because it’s more gentle on the grapes.”Oberholster estimates about 20% of the grapes grown in 2020 were not harvested, which could cause this multi-billion dollar industry to raise its prices.Back in the vineyards, Trout is reluctantly adjusting to this new norm.“I have never wanted to make wine in a bucket before,” she said.With wildfires still raging across the West Coast, the area that produces 85% of America’s wine, winemakers like Trout will be feeling the impacts long after the smoke settles.“It’s 2020,” she said. “So, we’re going to make some bucket wine and see how it goes.” 1738

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