What is the average credit card limit in Germany?

Credit Card Limits in Germany

In Germany, personal credit card limits vary depending on a number of factors, including the card issuer, the applicant’s creditworthiness, and the type of card. However, as a general rule, limits typically fall within the range of €500 to €10,000.

For individuals with a good credit history and stable income, it is possible to obtain a credit card with a limit of €10,000 or more. However, those with a limited credit history or lower income may receive a lower limit, such as €1,000 or €2,000.

It is important to note that credit card limits are not fixed and can be increased or decreased over time. If a cardholder makes regular payments on time and does not exceed their limit, they may be eligible for a credit limit increase. Conversely, if a cardholder misses payments or exceeds their limit, their credit limit may be reduced or revoked.

It is advisable to choose a credit card with a limit that is appropriate for your needs. Using your credit card responsibly can help you build a good credit history and avoid financial difficulties.