Business Daily: The credit limit is the maximum amount that a bank can overdraw according to the personal credit status of a credit card applicant. It is determined by the bank after reviewing the relevant materials provided by the customer when applying. Generally speaking, the better the credit status of the cardholder, the higher the asset income certificate that can be provided, and the higher the credit line that may be obtained. When handling a credit card, the more detailed the asset certificates provided by the applicant, such as income certificate, real estate certificate, mortgage purchase certificate, automobile property right certificate, bank deposit certificate or securities certificate, the higher the credit limit the applicant obtains. If you have already applied for a credit card and want to increase the credit limit, you need to pay attention to the following three points. First, try to swipe your card, not only for many times, but also for a large overdraft limit. Try to spend money in different types of stores, and don't concentrate on a few or several types of stores to avoid repeating large transactions with the same merchant, which is easy to be suspected of cashing out, which is not conducive to improving credibility. Second, don't use the interest-free period completely. If the cardholder makes full use of the interest-free period and repays in full every time, the bank will think that the amount is sufficient and will not increase it again. The third is to apply in time, and don't expect the bank to take the initiative to increase the credit line. After the card is opened, if there is no bad credit record and the consumption limit is large, you can take the initiative to apply for increasing the credit limit after 6 months, and it is easier to pass at this time.