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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

You have seven seconds to make an impression with your résumé. So you better make every one count."Those first seven seconds someone spends on your résumé are the deciding seconds on whether they like you or not," said salary and hiring coach Olivia Jaras. "They spend the rest of the time trying to corroborate that first impression."Jaras is the founder of Salary Coaching for Women, which helps clients get hired and negotiate salaries.Your résumé does more than just get you an interview, it also plays a role in determining your salary,?she said.That's why the format, word choice and tone are important to getting the reader on your side."It's playing mind games," Jaras said. "A good résumé doesn't sound too pushy, aggressive or assertive. It's a more subtle energy."'Here's how to craft a résumé that will get you hired: 847

at all of its properties effective March 15.The closures include buffets at MGM Grand, ARIA, Bellagio, Mandalay Bay, Mirage, Luxor, and Excalibur."These changes are temporary and will be evaluated on a weekly basis," MGM said in a statement.MGM did not provide additional information in response to an initial media inquiry, though the announcement comes as the world deals with an outbreak of the novel coronavirus. It's unclear what will happen to employees working on the buffet lines.The Culinary Union, which includes hospitality workers in Nevada, said it is sending representatives to bargain with casino companies amid the outbreak."Now, as the coronavirus (COVID-19) continues to spread, we are working very hard to monitor the effects on Culinary Union members," the Union said in a statement. "The Culinary Union is sending requests to all of the casino companies to meet immediately and bargain on the effects of the coronavirus outbreak. We are evaluating the coronavirus situation daily."Caesars says their buffets will remain open, but they say they will be incorporating cleaning and hygiene protocols into their buffets.Station Casinos and Boyd Gaming did not immediately respond to a request for comment regarding their buffets.This story was originally published by Joyce Lupiani and Austin Carter on 1323

-- and the fossils were 68 million years old.The-CNN-Wire? & ? 2019 Cable News Network, Inc., a Time Warner Company. All rights reserved. 142

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

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