The credit card limit is not fixed. The bank will make a comprehensive evaluation based on the number of times the credit card is used, the amount, whether points have been accumulated, repayment, external credit reporting, personal financial capabilities, etc. According to Article 11 of the credit card application contract : “If Party B’s credit card has risk characteristics stipulated by regulatory authorities or identified by Party A, Party A has the right to terminate or terminate all or part of the functions of the credit card, including reducing the limit, and Party B is obliged to actively assist Party A in identifying relevant risks.