1. What is the available credit limit?

The available credit limit of a credit card refers to the credit limit that the cardholder can use, which is the maximum limit that can be used for consumption. Credit card banks will review the available limit of a credit card based on factors such as the cardholder's personal credit status, income, repayment ability, and the cardholder's credit record with the bank. Each person’s available credit is different and will generally be shown on each month’s bill.

2. How to increase the available limit of your credit card?

If you want to increase the available limit of your credit card, you first need to maintain a good credit record, including on-time repayment, no overdue payments, no illegal use, etc. In addition, the income status of the cardholder is also an important factor in increasing the available limit. If the cardholder's income increases, he or she can apply to the bank to increase the available limit. Generally speaking, banks will require cardholders to provide proof of income and other information for review.

3. How to use the available credit card limit reasonably?

Cardholders should reasonably use the available limit of their credit card according to their own spending and repayment abilities. Do not spend blindly or exceed your repayment ability, otherwise it will lead to overdue bills, fines, damage to your credit history and other problems. At the same time, you also need to pay attention to the repayment period. Repaying on time every month can not only avoid overdue fees, but also establish a good credit record, improve your credit rating, and enjoy a higher available limit.