A credit limit is the maximum revolving amount a card account is set to allow at any given time. Issuers determine limits using factors like income, credit history, and risk policies, and they may adjust them as profiles change. Limits influence spending capacity, utilization ratios, and even certain fraud controls. Responsible use—such as staying well below the limit and paying on time—can support long‑term credit health. Many cardholders periodically request reviews when finances improve, aligning available credit with evolving needs and budgets.