The credit limit of a credit card refers to the maximum amount that the issuing bank can use within the prescribed period according to the credit information provided by customers.

The credit line can be recycled, and the cardholder can spend first and then repay. After paying all the payables in full on the due repayment date (inclusive) and before the closing of the issuing bank's business outlets, the cardholder can continue to enjoy the full credit line again. For partial repayment, you can only enjoy part of the credit line again.

Pay attention to the available restrictions.

Platinum credit cards generally have higher annual fees. For example, ICBC's platinum credit card limit is 200,000, and the annual fee is more than 2,000. You must swipe the card 200,000 every year to reduce it.

Credit card available limit is the overdraft limit that credit card accounts can currently use. After each consumption or withdrawal, the available amount will be reduced accordingly, but after each repayment, the available amount of users will be restored accordingly. Users can check the available quota through the 24-hour customer service hotline, or calculate the available quota through the following formula.