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is helping to raise money for victims of post-traumatic stress disorder.The new "Healing PTSD" stamp shows a plant sprouting from the ground. This symbolizes the healing process of PTSD, representing the healing process, growth and hope. 240

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

at a hospital just north of Detroit.Officials with the Macomb County Health Department and the Michigan Department of Health and Human Service have identified seven possible cases of Legionnaires' disease at McLaren Macomb Hospital.Six of the potential cases have been reported since mid-September. The other person was sickened in July.Officials stress the investigation is ongoing and a source has not been identified. They say they plan to increase water testing in an atrempt to find the source of the bacteria."...we are responding with an abundance of caution and partnering with the Macomb County Health Department to identify targeted areas in the hospital to implement additional precautions to our water management efforts (installing filters, removing aerators, providing bottled water options)," the hospital's statement reads, in part.The hospital is also working to identify any other patients who may have been infected."We appreciate the County's partnership on this community health issue," McLaren Hospital CEO Tom Brisse said in a statement. "With nearly 100 cases of Legionella diagnosed across Macomb County over the past 12 months, this represents an opportunity and a need for the healthcare community, the Macomb County Health Department, and other key stakeholders to collaborate in order to minimize the health risk to our community."According to the health department, Legionnaire's disease is a respiratory infection caused by Legionella bacteria. The bacteria are found in fresh water supplies like cooling towers, hot tubs and other plumbing systems. Symptoms of the disease include fever, cough and radiologic findings consistent with pneumonia.This story was originally published by 1717

-- from December 16, 1995 to January 5, 1996. And it did so only after Clinton bowed to a key Republican demand: submitting a seven-year balanced budget plan scored by the Congressional Budget Office.The public blamed the RepublicansIt wasn't the only shutdown during the Clinton administration. An earlier one lasted five days, from November 14 to November 19, 1995.The shutdown was 385

due to engine failure on Monday.The plane made a safe emergency landing in Raleigh, North Carolina about an hour into the flight from Atlanta to Baltimore."The Captain came on the loudspeaker and said that we had lost an engine and that they were making preparations to have an emergency landing," passenger Jose Bahamonde-Gonzalez said.Avery Porch was sitting next to her boyfriend Tyler Kreuger in the emergency seat."After we heard the boom we just saw all this smoke come up into the cabin, and that's when we really started freaking out," Porch said. "It started slowing down a bit the air cut off."People were frantic--preparing to open the door at a moment's notice to try and escape."I was about to the first person to jump off and I was like, 'oh my gosh,'" Porch said. "This is a 30-something pound door. I'm going to have to throw it in the seat and jump off and actually help people out."Panicked people started to fear the worst."I pulled out my phone, and I know I didn't have service," Kreuger said. "I just texted my mom 'I love you', I texted my dad 'I love you.'""I had a weird, eerie sense of calm over me, like I almost knew that they were going to take care of it, and they did," Porch said. "I don't think I'd be timid getting on a plane again being reassured that they handled it the way they did."Delta released a statement apologizing for the inconvenience and passengers said they were given a food voucher while they waited to leave Raleigh."Delta needs to retire those MD-80's, they are too old," said Bahamonde-Gonzalez.The flight was originally supposed to land in Baltimore around 2 p.m. local time, but the passenger didn't reach their destination until around 8:30 p.m.This story was originally published by Eddie Kadhim on 1763