When you apply and are approved for a credit card, the creditor sets a credit limit, which is the maximum balance you can borrow on your account. Each credit card issuer has its own standards for setting credit limits. Some factors that may affect their decision are：
Your monthly income
Current debt (other credit cards, car loans, etc.)
Length of residence at your current address
Home ownership
Number of times you've applied for credit
How much credit you need or use
You may ask your credit card company to increase your credit limit. The answer will depend on your total financial picture. You may qualify for a higher credit limit if you always pay on time, if your income has increased or your debts have decreased, and if you always pay more than the minimum due or your balance in full.
