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But what’s different in 2009 is that banks are already reeling from the mortgage-default crisis that has triggered bank failures and shotgun marriages between weak banks and less-weak banks.

Banks aren’t exactly in great shape these days and they are painfully aware of a Category 3 hurricane about to bear down on them: National credit card debt is at a staggering 0 billion, 50 % higher than when the last economic slowdown hit in 2000. They are now looking for ways to lend less money, espe­cially on accounts they deem risky: consumers with high unpaid balances and poor FICO credit scores.

There are a few ways that this specific calculation is done, but one of the chief ways it’s determined is the debt-to-available ­credit ratio.

Debt is how much money you owe on all your credit cards.

Last year your credit limit on that card was ,000.

So your debt-to-credit ratio was 20 % (,000 is 20 % of ,000).

It’s a tip-off that you may already be on shaky ground.

Paying just the monthly minimum due signifies to a credit card company that you may fall behind on payments in a severe recession and that you are also more likely to let your balance grow if you hit hard times. To keep you from doing just that, they cut your credit limit.

And the fact that you pay just the minimum is a huge warning signal to your credit card company.They think you won’t be able to keep up with your credit card payments in 2009 as the nation continues to work its way through this economic meltdown.Of course, that’s a justifiable concern whenever the economy slows down, jobs are lost, and unemployment rises.Suze Orman, financial expert and host of the award-winning “The Suze Orman Show” on CNBC, says that 2009 is a critical year for your money.There are safeguards to put in place, actions to take, costly mistakes to avoid, and even opportunities to be had so that you are protected during the bad times and prepared to prosper when things take a turn for the better.




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