Hello, this card friend. The initial credit line is set by Guangfa Bank after reviewing and evaluating your information, and Guangfa Bank will examine and approve it according to the information provided by you. The general credit line is 3000- 10000, which is aimed at people with an annual income of more than 20,000 and less than 80,000, with stable residence and stable income. The amount of the gold card is people with an annual income of more than 80,000 (including people with high financial resources, such as cars, real estate, cash passbook and enterprises)10000-50,000; There is also a platinum card with a higher amount. But the average credit card is probably more than 5 thousand. The overdraft limit is 50% of the limit, and the daily interest is five ten thousandths. I suggest that you don't overdraw, go shopping and entertainment in shopping malls, free of formalities and interest.