Everyone’s credit card limit is different. Some people may have just applied for a few thousand yuan or tens of thousands to hundreds of thousands. So what is the basis for setting the credit card limit?

In fact, when banks approve credit cards, they mainly depend on the applicant’s credit and financial ability. If you have a lot of assets, the limit will definitely be high, but if you have no assets or are a recent graduate, the limit will be higher. It's very low.

The credit card limit is analyzed based on the cardholder’s comprehensive score of personal credit, personal assets, and income.

The comprehensive score includes the applicant’s personal credit, job, working years, industry type, job position, etc., as well as a series of scoring items such as salary level, marital status, and whether there is social security in the local area.

The bank will evaluate and review the applicant from many aspects. Different applicants apply for different credit card limits. Whether a credit card application can pass the review and how much it can pass depends on the applicant's personal comprehensive qualifications.

Therefore, the credit card limit is different for each cardholder because each person's qualifications and credit card purposes are different. Under the review of the bank, applicants can obtain a credit card as long as they meet the criteria. For users with higher overall scores, after passing the review, the approved credit card limit will be higher.