What is the credit card limit for salary?

Ugh, credit card limits and salary… it’s like they want us to be confused, right? You’d think a bigger salary automatically means a bigger credit limit, wouldn’t you? Nope. Not that simple. It’s true, your income plays a big part – obviously, they want to know you can pay them back! – but it’s just one piece of the puzzle. Think of it this way: I have a friend, Sarah, she makes bank, seriously good money. But she’s pretty new to credit, so her limit isn’t as high as you’d expect. Then there’s my cousin, who’s been carefully building his credit for years – responsible spending and all that – and he has a pretty decent limit even though he doesn’t earn nearly as much as Sarah. See? It’s all about your credit history, how much debt you have (student loans, car payments, etc.), even how often you use your cards! It’s kind of like a secret recipe – they throw all these ingredients into their magical credit limit cauldron and poof! a number appears. I wish they’d just tell you exactly how it works. Wouldn’t that be so much easier? So yeah, salary matters, but so does everything else. It’s a whole thing.