The range of credit card limits varies depending on the bank, cardholder qualifications and personal circumstances. The limit of a China Merchants Bank ordinary card is usually between 1,000 yuan and 50,000 yuan, and for students, it is usually less than 5,000 yuan. For professionals with stable income, such as civil servants or employees of financial institutions, the limit may be higher. The limit will also take into account the company's size, personal position, account type, and personal solvency, including asset status, credit history and other factors.

The upper limit of the credit limit is not fixed. The limit of a regular card can range from 1,000 yuan to 10,000 yuan, depending on the results of the bank's personal credit assessment. The credit limit is essentially the bank's setting of the cardholder's overdraft ability. If this limit is exceeded, normal consumption cannot be made. The determining factors of the credit limit include the information at the time of application, supporting documents and the bank's comprehensive evaluation. The main card and the supplementary card share the same limit.

The limits of dual-currency credit cards, such as RMB and USD limits, are usually converted to each other. For example, 30,000 RMB may be equivalent to a consumption limit of US$5,000. The bank will regularly evaluate and adjust the credit limit, but cardholders can also proactively submit proof of financial resources to request an increase in the credit limit. Under certain circumstances, such as traveling abroad or making large purchases, you can apply for a temporary increase in your credit limit.