Banks and China Banking Regulatory Commission have no uniform regulations on the total credit limit of personal credit cards. Although the China Banking Regulatory Commission supervises the total credit limit of credit cards, in general, the total credit limit of credit cards is evaluated and managed by the issuing bank, which sets the maximum credit limit according to the income level and credit history of users. Without guarantee, the total credit line usually does not exceed the individual's annual income.

what is the credit line?

credit line refers to the stock management index of short-term credit business approved by commercial banks for customers. There are usually three types: single loan credit line, borrowing enterprise line and group borrowing enterprise line. As long as the credit balance does not exceed the corresponding business variety index, the business departments of commercial banks can provide short-term credit to customers quickly without the limitation of cumulative quota and issuance times, that is, enterprises can easily recover the short-term credit funds of banks, thus meeting customers' requirements for the rapidity and convenience of financial services.