Credit limit Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only spend your credit card within this limit. If you exceed this limit, you can't spend your credit card normally. The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB, and if you use a card overseas, your credit line is equivalent to about 3,600 US dollars. The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.