1, the credit card has a high limit and is of great use.

The so-called credit card limit is the credit limit granted by the bank to the cardholder for overdraft purposes, and no interest is charged during the interest-free period. Credit card is more convenient than loan, because it can be used for revolving credit and is interest-free. Therefore, people who often need cash flow tend to hold large credit cards, such as people who do business.

Credit cards have a low limit and are of little use when cardholders need money badly. For cardholders who often need capital turnover, the higher the credit card limit, the better.

2. The credit card has a high quota, which adds points to personal comprehensive credit.

Although China's personal credit information system is not perfect at present, when you handle loans and other businesses, banks will judge your personal credit with reference to your existing loans and past repayment records. The high credit card limit in your name shows your personal financial situation and repayment ability, which will give extra points for some business.

However, the credit card limit cannot be too high. If the total credit line is too high, it will also affect your application for a new credit card or loan.