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People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

Over the past year, Amazon has opened seven of its Amazon Go stores to the public, ditching checkout lines for AI that tracks what customers want to buy. Now, the retailer is taking its cashier-free shops in a new, smaller direction.On Wednesday, Amazon opened its first pint-sized Amazon Go store, which takes up about 450 square feet inside one of its Seattle offices — a fraction of other Amazon Go locations, which range from 1,800 to 2,000 square feet.Amazon Go Vice President Gianna Puerini, who gave CNN Business a look around the store early this week, said the idea is to eventually bring them to places like office building lobbies and hospitals. Similar to the full-size stores, she said, they could go "anywhere where there's a lot of people who are hungry and in a rush."Puerini wouldn't say when others will open, though she said she hopes they will crop up "soon." Such small stores could also help Amazon keep ahead of a handful of startups who are trying to convince existing retailers to buy their cashierless technology.Unlike other Amazon Go stores — seven are open and two others are under construction — this one is not available to the general public. Only Amazon employees and guests can visit the store. The retailer took the same approach with its first Amazon Go store, which initially opened in 2016 just to employees. It's "just easier for us to experiment closer to home," Puerini said.When CNN Business visited the new, small Amazon Go store, it was still hidden behind plywood and a black curtain. It looked very much like a regular Amazon Go store, but plopped in the middle of a common area in an Amazon office in downtown Seattle, right next to an employee café. (The office itself is above a much more traditional Macy's store.) This version of Amazon Go had just a few aisles, with shelves stocked full of cut fruit from Amazon-owned Whole Foods, yogurts, chocolate bars and more.Though it's much smaller than the existing stand-alone Amazon Go stores, the technology behind this store is the same: after downloading an Amazon Go app, you scan an in-app code on an entry gate to get inside. Then a series of cameras above you work in concert with weight sensors on shelves and software to track the items you pick up and put down. As at all other Amazon Go stores, you walk out when you're done shopping, and the app emails you an itemized receipt.The small stores could also allow Amazon to roll out more cashier-free locations faster than it could by simply opening stand-alone Amazon Go stores. The small stores are modular, Puerini said, and take only weeks to put together. That's much faster than it takes to open up a free-standing Amazon Go store, which the company said typically takes months.The tiny shops could also be used to bring Amazon Go to a range of new markets, such as airports, which Amazon is reportedly considering for the AI-checkout stores. Puerini wouldn't confirm or deny whether Amazon is looking into opening Amazon Go stores of any size in airports, but said that, with many hungry people hurrying around, airports fit her "simple criteria" for the stores.As with other Amazon Go stores, however, these won't be entirely self-sustaining. An employee will be needed to stock shelves when food arrives or clean up if a shopper, say, drops a glass Frappuccino bottle on the floor. The small, in-office location in Seattle will have set hours (it will be open from 7 am to 6 pm, Monday through Friday), and it will be staffed during that time, as the current Amazon Go stores are."People do still want help. They like to ask the associates, 'What's your favorite? What should I get?' Or they might want to make sure about ingredients on something," Puerini said. "There's still a lot of human interaction." 3778

PASADENA (CNS) The 2021 Rose Bowl game has been relocated from Pasadena to Texas, leaving Southern California without its signature New Year's sporting event for the first time since 1942.Officials announced Saturday that the game -- a College Football Playoff semifinal -- will played at AT&T Stadium in Dallas on Jan. 1, 2021.The decision was based on ``the growing number of COVID-19 cases in Southern California along with the inability to host player and coach guests at any game in California,'' according to a statement from the Pasadena Tournament of Roses.``We know that the decision was not an easy one to make,'' said David Eads, Tournament of Roses CEO and executive director. ``While we remain confident that a game could have been played at the Rose Bowl Stadium, as evident in the other collegiate and professional games taking place in the region, the projection of COVID-19 cases in the region has continued on an upward trend.''The Tournament of Roses received word late last week that the state of California would not make a special exception for player guests at the game. Since March, all sporting events played in California have been unable to host spectators and participant families. The Pasadena Tournament of Roses made its first appeal for a special exception at the Rose Bowl Game in November and made a second request to the state in December. Both requests were denied.``We are very grateful to Rose Bowl officials and the City of Pasadena. They have worked hard to listen to the concerns of the CFP, the teams that might have played there, and their state and government officials,'' said Bill Hancock, executive director of the College Football Playoff.Officials have not yet determined if the game in Arlington will be called the CFP Semifinal at the Rose Bowl Game presented by Capital One. The name is co-owned by the Pasadena Tournament of Roses and the city of Pasadena.Since 2015, the Rose Bowl has been part of the College Football Playoff system, serving as a semifinal game every three years.The Rose Bowl is the oldest of the nation's bowl games. The first game was played in January 1902, and the annual tradition began in 1916. Since 1923 the game has been played at or near the beginning of every year at the Rose Bowl stadium in Pasadena, with the exception of 1942, when it was moved to Durham, North Carolina for security reasons during World War II.Meanwhile, USC announced Saturday that it will decline to participate in a bowl game this postseason. The Trojans were defeated, 31-24, Friday night by the Oregon Ducks, leaving their record at 5-1.The decision was made following a recommendation from the USC medical team and discussions with the Trojan football leadership council. The football program has experienced a rise in COVID-19 cases among its players and staff recently, including positive cases this past week. ``I am incredibly inspired by our players and the sacrifices they made these past six months to play the game that they love,'' Trojans coach Clay Helton said. ``They did everything we asked of them to abide by the challenging guidelines they had to follow to stay safe and well, whether it was daily testing or keeping distant from family and friends or training in less-than-ideal ways. It has not been easy ... We all share the desire to stay healthy and be with loved ones during the holidays and I fully support this collective decision.'' 3431

PINE VALLEY, Calif. (KGTV) — Border Patrol says agents arrested two people on Thursday in separate incidents of methamphetamine smuggling.The first incident occurred when agents stopped a woman driving a 2006 Honda Accord at the Interstate 8 checkpoint in Pine Valley. The woman was referred to secondary inspection, where agents say a canine team discovered 64 packages of methamphetamine hidden in the vehicle’s quarter panels and gas tank. The drugs are worth an estimated street value of 6,175.The 22-year-old U.S. citizen and the narcotics were turned over to the San Diego County Sheriff’s Department.Several hours later, a 19-year-old U.S. citizen driving a 2005 Ford Mustang was stopped at the same checkpoint. He was referred to a secondary inspection where a canine team also discovered 39 packages of meth inside the vehicle’s gas tank, worth an estimated street value of ,250.The man and the drugs were turned over to the Drug Enforcement Administration.Once again our agents have intercepted these dangerous drugs before they could reach the streets, poisoning our community. I am exceedingly proud of the dedication our agents exhibit every day protecting America," Chief Patrol Agent Aaron Heitke said.Since Oct. 1, 2019, San Diego Sector Border Patrol has seized more than 3,050 pounds of meth, accounting for 25% of all methamphetamine seized along the south-west border, CBP says. 1412

Personnel from the US Centers for Disease Control and Prevention who have been stationed in the Democratic of Congo to help control the ongoing Ebola outbreak have been pulled back from the worst impacted areas due to safety concerns, a US government official familiar with the situation told CNN Monday."They are not in any hot spots," the official said.Since this most recent outbreak began Aug. 1, there have been 211 cases of Ebola, including 135 deaths as of Sunday, WHO spokesman Tarik Jasarevic confirmed. Fifty-five patients have recovered from the illness. He said there has been a recent increase in cases because of "challenges faced by the response team.""For a couple of days we were not able to function really, and in the last couple of weeks we could not function at 100%," said Jasarevic. Challenges include a spike in violence that led to a change in location for CDC responders."The recent spike in violent incidents makes the response more difficult, and increases the risk of spread not only in the DRC but also in neighbouring countries" Jasarevic stated in an email. 1097