If you apply for a card with a card, the limit will be similar. Applying separately depends on the bank's review. The Industrial Bank limit is quite high.

The credit card limit is mainly based on your age, education, male and female, number of dependents, salary, unit, position, other credit card limits, house location, car price, etc., as well as your previous How is your credit history?

The determination of credit card limit mainly follows three major principles:

1. Whether it can be returned on time;

2. The needs of the cardholder;

3. The former takes precedence over the latter;

For salaried workers without much extra income, the appropriate credit card limit is roughly = monthly disposable income ÷ minimum repayment ratio, and the monthly Disposable income = monthly income (after tax) - basic living expenses - loan repayment;

At present, the minimum repayment ratio of credit cards is basically 10%, so the maximum amount that the bank can grant should be the monthly average 10 times the disposable income, this can ensure that the monthly disposable income is at least enough to pay off the minimum payment on the credit card debt.