郑州眼科近视眼手术(郑州全飞秒手术价格) (今日更新中)

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

between protesters and police at the Manhattan Bridge between Brooklyn and Manhattan Tuesday night.The crowd of demonstrators who were peacefully marching from Brooklyn to Manhattan were crossing the Manhattan Bridge after the city's 8 p.m. curfew. Police stopped marchers from entering Manhattan the island when police barricaded the bridge at its exit.According to social media reports, protesters became "stuck" on the bridge, as police also blockaded the Brooklyn side of the bridge.As the night went on, aerial footage showed the large group of peaceful protesters begin to cross the bridge back toward Brooklyn. 619

Political Analyst John Dadian said this trip isn't just for the President, "we assume that he's going to run for President in 2024 so all of these contacts he's making throughout the country, even here in California are going to help him in his personal future."On Friday, Pence plans to visit the Donna 306

after hiking in the Kit Carson Peak and Challenger Point area in Colorado.Custer County Search and Rescue reported that July 24, a person called 911 to report 41-year-old Lt. Colonel USAF Dan Wallick as an overdue hiker. The caller said Wallick had intended to summit both peaks. Saguache County Search and Rescue requested assistance from multiple agencies the following day at 6 a.m. to help search for him. Rescuers covered the major trail system and routes leading up to Kit Carson Peak and Challenger Point, which are both over 14,000 feet.On Saturday, Wallick's body was found by a Colorado Division of Fire Prevention and Control helicopter. Due to difficult terrain and poor weather, the search teams weren't able to recover his body until Sunday. Custer County Search and Rescue said they are sending their condolences to Wallick's family, friends and loved ones. 875

after dozens of people signed a petition to have it removed.Frankton Police Department vehicles feature a decal with the phrase, "All Lives Matter." The phrase, which some consider racist, has gained popularity among those who oppose the Black Lives Matter movement.Mary Hobbs, a Frankton resident, created a petition to remove the "All Lives Matter" decal from all police vehicles. Hobbs said the town added the decals in 2016 during the height of the Black Lives Matter movement. "As I educated myself on the Black Lives Matter movement more and kind of spoke with other people about it, I kind of realized that that's not OK and it needs to come off," Hobbs said. "I think it's a controversial issue and I don't think it's one the police should've taken a stand on. I created the petition to kind of show people that it's not just me. That it is a problem."But not everyone in the community feels as strongly."Do you think people are offended by that here? I don't think so. I really don't," Angel Large said.Tyjuan Garrett, a local NAACP board member, says the phrase is all about the intention. Black Lives Matter's mission is to bring light to racial injustices that stem from systematic problems they feel are not being addressed. Garrett says implicit bias or sensitivity training for officers would be a more useful step than car decals."I mean I would love to sit down with the Frankton Police Department and have a conversation with them and say exactly what are your motives?" Garrett said. "Tell me how you are adding to the conversation of All Lives Matter. How are you expanding out to reflect all lives matter?"Frankton Town Marshal Dave Huffman did not agree to an on-camera interview. But he said the decals are not meant to criticize the Black Lives Matter movement and chose the slogan to, "illustrate the seriousness with which Frankton police officers take their duty to protect all of the town's citizens regardless of income, economic status, race, nationality, age or any other factor."But after hearing that nearly 100 people have signed a petition, the town plans to remove the decals from its police cars."I want the community to always be inclusive and accepting of anybody and I think that doing this will help the community grow," Hobbs said.This story was originally published by Stephanie Wade on 2334

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