The credit card limit of ICBC is comprehensively evaluated according to your credit status, income level, asset certificate and other factors. Generally divided into ordinary cards, gold cards, platinum cards and other different grades, the credit line ranges from 0 to 500,000 yuan. The credit card limit will be dynamically adjusted with the use and repayment records, and will automatically increase or decrease once every three months.

The available amount of your credit card refers to the amount you can still use in the current billing cycle, which is equal to your credit limit MINUS the amount you have used and the amount of consumption that has not been accounted for. If your available limit is only 300 yuan, it may be due to the following reasons:

1. used more credit lines, resulting in insufficient available credit lines.

2. Unbilled consumption amount exists, which temporarily reduces the available amount.

3. The bank reduced the credit card limit, resulting in a decrease in the available limit.