According to the regulations of the Agricultural Bank of China Credit Card Center: the maximum limit of the Agricultural Bank of China credit card personal card is 50,000 yuan (including the equivalent in foreign currencies). The limit of the Agricultural Bank of China Credit Card Gold Card is RMB 200,000. The minimum limit of the Platinum Card is RMB 100,000, and the maximum limit is RMB 1 million.

For commercial cards, the maximum overdraft limit for customers with comprehensive credit is 3% and does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million. Therefore, the Agricultural Bank of China credit card limit of 39,000 is not too much.