The total credit line of a personal credit card is mainly determined by the cardholder's personal education, personal reputation and personal assets. For cardholders, the higher the education, the better the credit conditions, and the higher the total credit line given by the bank. On the other hand, banks prefer civil servants, state-owned enterprises and institutions. Personal assets are also an important aspect that affects the total credit line of personal credit cards. The stronger the personal assets, the higher the total credit line of the credit card. In addition, the total credit line of credit cards is also affected by the local economic level, and the total credit line of credit cards in economically developed areas is often much higher than that in other regions.