hello, the amount of ordinary cards is generally below 8, yuan, the amount of gold cards is generally between 8, yuan and 5, yuan, and the amount of platinum cards is generally above 5, yuan. The credit card limit is determined by the individual's comprehensive score, and the standards for the individual's comprehensive score are different from bank to bank.

There are three main principles to determine the credit card limit:

1. Whether it can be returned on time;

2. the needs of cardholders;

3. The former takes precedence over the latter;

For wage earners who don't have much extra income, the appropriate credit card amount is roughly = monthly disposable income ÷ minimum repayment ratio, while monthly disposable income = monthly income (after tax)-basic living expenses-loan repayment;

At present, the minimum repayment ratio of credit cards is basically 1%, so the maximum amount that banks can grant should be 1 times of the monthly disposable income, which can ensure that the monthly disposable income is at least enough to repay the minimum repayment of credit card arrears.