JD Finance is an Internet financial platform under JD Group that provides a variety of financial services, including credit cards. The credit limit refers to the authorization limit of a credit card, which is the maximum credit limit reserved by the bank for the cardholder. The cardholder can freely spend within this limit.

JD Finance’s limit is determined based on a comprehensive calculation based on the cardholder’s personal credit assessment, income, occupation, education and other factors. Cardholders can apply for an increase in credit limit by improving their credit rating, providing more proof of income, etc., but banks will also adjust the credit limit based on the cardholder's credit performance.

When using credit cards, cardholders should plan their consumption reasonably and not exceed the credit limit to prevent negative records such as over-limit or overdue payments from affecting personal credit evaluation. At the same time, you must also pay attention to regular repayments, repay arrears on time, and maintain a good credit history, so as to obtain a higher limit and better credit services.