Credit cards are generally divided into three levels: ordinary card, gold card, and platinum card. The limit of ordinary cards is generally less than 8,000 yuan, the limit of gold cards is generally between 8,000 yuan and 50,000 yuan, and the limit of platinum cards is generally more than 50,000 yuan. Approval of credit card limits not only refers to income, but also includes credit information, assets, etc. You can apply for the required limit based on your comprehensive conditions.

The determination of credit card limit mainly follows three major principles:

1. Whether it can be returned on time;

2. The needs of the cardholder;

3. The former takes precedence over the latter;

For salaried workers without much extra income, the appropriate credit card limit is roughly = monthly disposable income ÷ minimum repayment ratio, and the monthly Disposable income = monthly income (after tax) - basic living expenses - loan repayment;

At present, the minimum repayment ratio of credit cards is basically 10%, so the maximum amount that the bank can grant should be the monthly average 10 times the disposable income, this can ensure that the monthly disposable income is at least enough to pay off the minimum repayment of the credit card debt.