The limit of China Merchants Bank personal ordinary card is generally between 1,000 yuan and 50,000 yuan. Students generally earn less than 5,000 yuan.

For those with fixed incomes, civil servants or those employed in financial institutions such as large banks have the highest quotas. The size of the company where an individual works and his or her job level also have a great impact. The type of household registration will also have an impact. The biggest impact is usually personal income (i.e. debt repayment ability, including asset status, historical credit record, etc.).

The limit of a regular card can range from 1,000 to 10,000. The limit depends on many factors. Each bank’s standards are different, and it depends on your personal creditworthiness.

The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only make purchases with your card within this limit. If you exceed this limit, you will not be able to make normal purchases with your card.

The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit. Generally speaking, the RMB limit and the USD limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to US$5,000.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.