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for COVID-19, better known as coronavirus.The Centers for Disease Control and Prevention has yet to confirm the diagnosis.As of Tuesday morning, Arizona had seen 164

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 might just need to walk into a Walmart to experience a Christmas miracle.In recent weeks, anonymous good Samaritans have paid off all layaway items in four Walmart stores in different parts of the country -- a total of more than 0,000.Julie Gates got an unusual surprise in early November when she walked into a Walmart in Derby, Vermont. A man waiting at the register offered to pay for everything she had bought and had on layaway --?and did the same thing for most customers in the store.This mystery man, who called himself "Santa," was apparently the first in a string of similar random acts of kindness in Walmarts across the United States. Since then, Walmart customers at stores in New York, Colorado and Pennsylvania discovered that their bills were taken care of and their layaway items had been paid for.All the mysterious Santas have chosen to remain anonymous -- and each has been generous in their acts of kindness.A Walmart spokesman confirmed to CNN that an anonymous donor paid for ,000 in layaway items at a Uniondale, New York, store while another spent ,000 in a Longmont, Colorado, store and a third shelled out ,000 at a Walmart in Kennett Square, Pennsylvania. Secret Santas have visited Walmart in seasons past, too. In 2016, a Santa paid for almost ,000 in layaway items at a store in Everett, Pennsylvania."When customers quietly pay off others' layaway items, we're reminded how good people can be," Walmart spokesman Payton McCormick said. "We're honored to be a small part of these random acts of kindness."McCormick said he doesn't know what's behind all the generosity but suspects it has something to do with the holidays.The store in Uniondale posted a picture of all the receipts from the unknown customer's act of kindness."Thank you again on behalf of the Uniondale community," the store posted on Facebook.Walmart shopper Lisa Mcmillan, who according to her Facebook profile lives in Longmont, says she was "blessed by some Christmas angel.""I had been freaking out about Christmas and not being able to get my kids presents, as I am a single mom of 5 at the moment," she posted on Facebook.On November 29, she said she received an email from Walmart that her layaway account of 0 had been paid for by an anonymous person."I pray to God that whoever did this is reading this right now...You have absolutely no idea what you did for me and how much of a burden you lifted off my shoulders," she said. 2486

— a replacement for the previous one star per visit system. Over the past few years, membership has risen as the company has increased its digital capabilities.In the last three months of last year, active membership grew to 16.3 million members, a 14% increase compared with the same period a year before. Over the last two years, membership has grown more than 25%."Starbucks Rewards continues to be a powerful enabler of loyalty," CEO Kevin Johnson said while discussing that quarter's earnings in a call with analysts. He teased the changes that will be adopted in April. Roz Brewer, the company's chief operating officer, noted at the time that the amount of money each rewards member spends has been increasing."When the program gets bigger and has more options, we think more people will join," Ryan told CNN Business. They may "spend a little bit more, too."Other companies are getting creative with their own loyalty programs.Chipotle, which 952

on Indianapolis' east side Tuesday morning.According to a report from the Indianapolis Metropolitan Police Department, the crash happened around 6:51 a.m. when a bus crashed into a Cash America building at East 16th Street and Emerson Avenue.According to Indianapolis Public Schools, 23 students were aboard the bus at the time of the crash. No injuries were reported, and all the students were released to their parents.The bus was operated by Durham Transportation. More on this as it develops.This story was originally published by Bob Blake on 550

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