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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

?? 4.4 ?? MILLION ?? That's how many people we estimate we've helped register to vote so far this year across Facebook, Instagram and Messenger. With only a week left until Election Day, make sure to plan your vote if you haven't already. A vote counted is a voice heard! ???? pic.twitter.com/S7qM0QJY5Z— Facebook (@Facebook) October 26, 2020 350

Zivile Roditis has spent the last week anxiously watching the Kilauea volcano, belching and churning molten lava into her neighborhood in Leilani Estates.Now experts fear Hawaii's Kilauea volcano is at risk of explosive eruptions that could emit "ballistic projectiles," the USGS says.And concerns emerged that the lava could get near the Puna Geothermal Plant, where flammable liquids are stored, CNN affiliate Hawaii News Now reported. 446

in Arizona over the weekend.Officers with the Prescott Police Department responded to a report of a disorderly female wearing a wedding dress who tried to assault an employee at a local business.Once police contacted a group of people at the location, officers say 32-year-old Eric Cordova became aggressive and refused to cooperate. He allegedly fought with the officer and both fell to the ground. During the struggle, several people that were with Cordova began to assault the officer and refused to obey commands, according to the department.Additional officers arrived on scene and eventually gained control of the group.Among them was 30-year-old Ashely Jordan, who was still wearing her wedding dress. Jordan and Cordova apparently had gotten married earlier in the day, police said.Two officers suffered minor injuries from the incident.The following people were arrested and booked into the Yavapai County Jail:Eric Cordova, 32-year-old Chino Valley resident – Aggravated assault on a law enforcement officer, resisting arrest and disorderly conduct.Ashely Jordan, 30-year-old Chino Valley resident – Aggravated assault on a law enforcement officer, resisting arrest, and disorderly conductDustin Trout, 31-year-old Tempe resident – Aggravated assault on a law enforcement officer, disorderly conduct, obstruction of justiceAmos Puckett, 25-year-old Nevada resident – Obstruction of justice and disorderly conductPolice say two other men were also cited and released from the scene for charges of disorderly conduct.This story was originally published by KNXV. 1571

You know spring has sprung when hundreds of people daily turn to Twitter to vent about their itchy eyes, dripping nose and uncontrollable sneezing and coughing.Seasonal allergies, which affect about 36 million Americans, aren't just an annoyance; many doctors agree that there is a real connection between allergies and mood."'Cranky' is really the best word for it," said Katie Ingram, 30, of Alexandria, Virginia, a triathlete who has seasonal allergies. "I take a lot of medication for it, and that makes me sleepy. And I can't do a lot of the things that I like to do outside, so that makes me cranky. ... The wheezing part of it makes me feel tired."In some people, such annoyances are more serious. Research has shown that there is about a 50% increase in the risk for depression in a person suffering allergies, and if you've been seen by an allergist, that about triples the likelihood of having depression, said Dr. Paul Marshall, neuropsychologist at Hennepin County Medical Center in Minneapolis.Those are correlations found in scientific studies, but they don't show that allergies cause clinical depression. In practice, allergy-connected mood changes usually boil down to mild depressive symptoms, like feeling sad, lethargic and fatigued, Marshall said. Some people say they're more likely to cry during the allergy season. Allergies could make symptoms even worse in a person with clinical depression, experts say."It's important for people to understand that experiencing allergies can affect their mood," Marshall said.That's not to say that all people with allergies have depression or that all people with depression have allergies. But experiencing allergic reactions does seem to be a risk factor for developing depression -- not necessarily the emotional side of the condition but more physiological symptoms such as low energy.But is all of this in spite of the use of antihistamines or because of it? And is it the actual allergic reaction that causes these symptoms or just the sleep disturbances and general discomfort?  2060