Generally, the total limit of a credit card = the cardholder’s monthly income after tax * the credit multiple is most appropriate, and the credit multiple is usually 3-10 times the monthly income. For example, if the user's monthly income after tax is 10,000 yuan, then the total quota is between 10,000*3=30,000 yuan and 10,000*10=100,000 yuan, which is most appropriate.

For cardholders whose consumption expenditures tend to be conservative and stable, the total credit card limit should be kept at about three times their monthly income after tax, while for those who have more aggressive consumption expenditures and often make large purchases, For cardholders, the maximum total credit card limit can reach about 10 times the monthly after-tax income.