A credit card (debit card) can allow an overdraft of 100,000 yuan. For platinum or above credit cards (debit cards), the overdraft limit of a single card is more than 50,000 yuan. If a user has multiple credit cards (credit cards) from different banks, then the credit limits of the multiple credit cards (credit cards) are cumulative, and the total may reach 100,000 yuan. For ordinary users, a credit card (debit card) has a limit of 100,000, and the debt ratio is actually relatively high.

Of course, if the user has a strong repayment ability, then even if the debt ratio is high, the credit loan business can still be handled normally in the future.