The used credit line reflects the current liabilities of the cardholder. In layman's terms, it means how much the cardholder owes the bank. The used limit is for credit cards. Note that this data item includes principal and interest.

credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Different credit card levels have different credit limits, including:

1. The credit card general card has a credit limit of about 3,-1,;

2. The amount of credit card gold card is about 1-5;

3. The credit card platinum card has a limit of more than 5,, and so on.

The credit card limit is mainly determined by the comprehensive qualifications of the credit card applicant, such as personal credit and repayment ability. I want to know how much credit line I have, so I can go to the bank to apply for a credit card. In fact, every credit card has a hidden overrun limit. When you swipe your credit card, it is easy to use the overrun limit, and once you use the overrun limit, it means paying a high overrun fee. Many consumers can't grasp it well in the process of shopping, and credit cards are often maxed out. I suggest that you apply to the bank in advance to increase the temporary limit, which will not only avoid the credit card explosion, but also increase the credit limit. The minimum repayment amount must be fully paid to avoid late payment fees. In daily life, we often encounter the situation that the capital turnover is ineffective. At this time, we can choose to repay the minimum repayment limit, so as to ensure that the personal credit record will not be affected, and at the same time, there will not be too many late fees. However, it needs special attention that the minimum repayment amount must be paid in full, otherwise you will encounter high late fees.