Running water and mortgage are auxiliary materials for banks, and the credit card application amount depends on the comprehensive situation of the system for individuals. Generally speaking, the amount of ordinary cards is generally below 8,000 yuan, the amount of gold cards is generally between 8,000 yuan and 50,000 yuan, and the amount of platinum cards is generally above 50,000 yuan.

For wage earners who don't have much extra income, the appropriate credit card amount is roughly = monthly disposable income ÷ minimum repayment ratio, while monthly disposable income = monthly income (after tax)-basic living expenses-repayment;

At present, the minimum repayment ratio of credit cards is basically 10%, so the maximum amount that banks can grant should be 10 times of the monthly disposable income, which can ensure that the monthly disposable income is at least enough to repay the minimum repayment of credit card arrears.

The credit card limit is determined according to three principles:

1, whether it can be returned on time;

2. The needs of cardholders;

3. The former takes precedence over the latter;