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What factors will affect the credit card limit?
What are the factors that affect the credit card limit? Many people have credit cards, but the amount of credit cards they apply for is very high, and some people are very low. What happened? What are the factors that affect the credit card limit?

Credit card limit is the maximum amount that a bank can lend according to the qualification of the applicant/cardholder and the status of the card. This is determined by many factors:

Repayment ability: the repayment function of a credit card determines the requirements for the applicant's repayment ability, and income and financial status have an important impact on the amount of the application card.

Stability: Being married, having a stable job, working in the same unit for a long time, and having your own house can show the stability of the applicant.

Credit habit: Good credit record, high education level, and prepayment when using the card can show your good credit habit.

Spending power: Banks issue credit cards for profit. Multiple cards can bring more POS income to the issuing bank, and occasionally applying for credit card splitting can also bring income to the bank, which can give cardholders the opportunity to increase the quota.