The credit limit of a credit card refers to the maximum available limit granted by the card issuer to the cardholder. Set by the bank or credit card company according to the cardholder's personal situation, credit history and credit evaluation results, representing the maximum credit limit that the cardholder can obtain. The credit limit of a credit card is usually adjusted periodically according to the credit status of the cardholder, and may be increased or decreased.

The credit limit of a credit card is the maximum amount that a cardholder can use when using a credit card. When a cardholder uses a credit card, if the credit limit is exceeded, an overdraft will occur. Overdraft will cause cardholders to bear higher interest rates, fines and other additional expenses. Therefore, cardholders need to strictly control the amount of credit cards used to ensure that they will not exceed the credit limit.

Cardholders can apply for increasing the credit limit according to their own needs. But before applying, you need to ensure that your credit record is good and your repayment record is good; At the same time, pay attention to the amount of application. Applying for too high a credit limit may arouse the vigilance of banks or credit card companies, leading to the rejection of the application. Therefore, cardholders need to apply rationally and use the credit line reasonably.