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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 response to COVID-19 in the United States.Romney's proposed measures were listed in a news release issued Monday morning:Provide Economic Stability for Working Americans:Immediately Send ,000 Checks to Each American: Every American adult should immediately receive ,000 to help ensure families and workers can meet their short-term obligations and increase spending in the economy. Congress took similar action during the 2001 and 2008 recessions. While expansions of paid leave, unemployment insurance, and SNAP benefits are crucial, the check will help fill the gaps for Americans that may not quickly navigate different government options. Provide Grants to Impacted Small Businesses: Provide bridge grants from the SBA to qualified small businesses that apply but don’t receive Economic Injury Disaster Loans. This program would ensure small businesses can meet short-term obligations, such as payroll and rent, without forcing them into future bankruptcies. An eligible small businesses must exhibit a revenue loss greater than 50% from the same month in the prior year. The program will also include criminal penalties for fraud and an audit by the SBA’s Inspector General to ensure compliance.Ease Financial Burden for Students Allow “Unexpected Costs Due to COVID-19” as Factor for Pell Grant Amount: To ease the burden on some students who had to make unexpected travel, housing, and storage purchases due to the COVID-19 outbreak, we should amend the Higher Education Act’s “Cost of Attendance” to take into account such costs. Doing this will impact the Pell Grant award amounts and more accurately reflect the current reality for students. Loan Deferment for Recent Graduates Impacted by COVID-19: Defer the payment of student loans for a period of time to ease the burden of those who are just graduating now, in an economy suffering because of the COVID-19 outbreak.Improve Telehealth Services for Health Workers and Patients: Require Insurance Plans to Temporarily Cover Telehealth: To protect the health workforce and connect patients with providers, require all private insurance companies (individual, small- and large-group, and self-insured market) to cover telehealth services, if the reason for using telehealth services is related to COVID-19. The federal government would reimburse private plans for the full cost of services."“The House coronavirus response package contains critical measures to help families in Utah and across the nation in the midst of the coronavirus outbreak, and the Senate should act swiftly on this legislation," Romney said in the news release. “We also urgently need to build on this legislation with additional action to help families and small businesses meet their short-term financial obligations, ease the financial burden on students entering the workforce, and protect health workers on the front lines and their patients by improving telehealth services. I will be pushing these measures as Senate discussions continue about an additional relief package.” 3028

-- as well as the circumstances surrounding its holdup.Wednesday's second public hearing will pair longtime Pentagon official Laura Cooper with David Hale, the undersecretary of state for political affairs, for what's expected to be a technical exploration of how the aid was held up and how US policy in Ukraine was hijacked by the President's personal attorney Rudy Giuliani.In her closed deposition last month -- which was delayed for several hours as some House Republicans 479

His son, Malachi, is being held in jail and facing a second degree murder charge.The shooting happened at the family's home sometime before 3:45 a.m. Sunday. Details were limited. Pueblo police officers said there was a disturbance and that Ortiz had been shot and later died at the scene.His widow, Roseen Ortiz, remembers the trauma of that morning with much more clarity."I was in the kitchen and I just heard a pop and when I ran into the living room, they were just tussling over the firearm," she said.Roseen said she was able to get between the two men and grab the gun which stopped the fight. Immediately afterward, she said her husband collapsed."I dialed 911, I got a voicemail five times," she said. "I just started panicking, I didn't know who to call. I believe I called my daughter, but then 911 called back. And when paramedics got there he was still breathing, he was fighting for his life."She believes her son was intoxicated and that the shooting was unintentional."My son, I talked to him," she said. "He was unaware of what took place until he sobered up and the police told him what they were charging him with and he's having a very hard time."Malachi had his mother ask his sisters, nieces and nephews for forgiveness. He also wanted her to tell the church family that he was sorry.During the gathering Monday afternoon, church members and relatives comforted each other with a potluck. Later, balloons were released in the late pastor's honor.Roman began his ministry more than 20 years ago. Roseen said her husband wanted to be an Evangelist. When the pastor of their church unexpectedly stepped down, Roman felt called to take on the responsibility.She remembers him as a loving husband, father and grandfather."It's going to be very hard without him. He was a man who spoiled all of us," Roseen said.She asked the Pueblo community to pray for her son and to forgive."If Roman could speak down from heaven, he would say forgive, you know, to forgive Malachi," she said.A judge advised Malachi of the charges he faces during a video conference from the jail on Monday afternoon. He is scheduled to make his first appearance in a courtroom on Thursday.This story was originally published by 2219

a California woman million on Wednesday after she sued Johnson & Johnson, claiming that trace amounts of asbestos in the company's baby powder caused her to develop mesothelioma. 188

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