The cardholder’s personal credit report, personal assets and income. According to the inquiry on Xicai.com, we learned that we are applying for a new card, and the credit card limit is analyzed based on the cardholder’s personal credit score, personal assets, and income. For credit cards that are already in use, the bank will also calculate the limit based on the cardholder’s comprehensive score. Actively adjust credit card limits based on a person's card usage, repayment history, and credit history.