This shows that this person’s financial conditions are very good. The limit of an ordinary person’s bank credit card is generally within 100,000 yuan.

1. The total credit card limit of 500,000 is already very high.

The starting credit limit of most banks’ diamond credit cards is more than RMB 500,000, and the maximum credit limit of some banks’ diamond credit cards can reach RMB 5 million. Of course, diamond credit cards have relatively high requirements on customers’ assets, income, and spending power, so it is not something that can be applied for just by looking at it. Diamond credit cards should be considered the most high-end credit cards we have access to, and their limits are usually very high.

2. How is the credit card limit affected?

1. Economic ability. Proof of personal income from the workplace is an important factor in determining the credit card limit, and can indicate whether the cardholder's income is stable and repaying ability. If the applicant is from a high-income industry, extra points will be added during the rating, which is very beneficial to increasing the quota.

2. Housing situation. One of the important factors. If the credit card applicant owns a personal home, it proves that he has a certain financial foundation. In this case, the bank is willing to let him become a credit card user and will often take the initiative to increase the limit.

3. Credit record. Nowadays, the credit records of all banks are connected to the Internet. If the credit card user has opened an account in the bank in the past and has a record of funds entering and exiting, then some cardholders will have bad records such as penalty fees and other bad records. When he applies for a limit increase, the bank will Consider it as appropriate; on the contrary, if the record is good, the quota will be raised smoothly.

3. What to do if your credit card limit is low.

If the credit card limit is relatively low, it can affect everyone's life to a certain extent. If you spend it all without paying attention to the limit, it really makes people feel uncomfortable. If the credit card and your debit card are from the same bank, you can keep them first. As for the cards from other banks, you can cancel them depending on the situation, mainly keeping one or two cards. If the card has no annual fee, you can also keep it and slowly "cultivate" it. After all, if you don't sell it, you won't have to pay an annual fee. If there is an urgent need for money in the future, it can also solve your urgent need. .