1. Credit cards have high limits and are of great use. The so-called credit card limit refers to a credit limit given by the bank to the cardholder, allowing the cardholder to use it as an overdraft without paying interest during the interest-free period. Compared with loans, credit cards are more convenient because they can be revolving and interest-free. Therefore, those who often need funds to circulate often choose credit cards with large limits, such as those who do business. When the cardholder needs money urgently, the credit card limit is very low and cannot be used much. For cardholders who frequently need cash flow, the higher the credit card limit, the better.

2. A high credit card limit can add points to your overall personal credit. Although China's personal credit reporting system is not yet perfect, banks will refer to existing loans and past repayment records to judge personal credit status when handling loans and other businesses. Having a high-limit credit card in your name illustrates your personal financial status and repayment ability, which can be a bonus for handling certain businesses. However, the credit card limit should not be too large. If the total credit limit is too high, it will also affect your application for new credit cards or loans.