In order to control risks.

When issuing credit cards, banks will review them based on factors such as the customer's credit record and income, and the credit card limit is determined based on the customer's qualifications. If the customer's qualifications are insufficient, the bank will reduce the credit card limit or even refuse to issue the card. This is one of the reasons why some customers have a transportation credit card limit of only 5,000 yuan.

When banks issue credit cards, they will set the limit based on risk control. For individual customers, the main risk of credit cards is that the customer overdrafts or owes money and cannot repay it in time, resulting in losses for the bank.