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The rationality of the initial credit limit and the bad debt rate are important indicators for evaluating the healthy development of the credit card business. When granting a credit card limit, banks need to comprehensively consider factors such as the cardholder's credit status, consumption needs and repayment ability, as well as market competition and risk control.

The bad debt rate is also an important indicator for evaluating a bank's risk management capabilities. Banks need to adopt effective collection strategies to reduce the bad debt rate and ensure the steady development of the credit card business.