Why does one get a lower credit limit initially?

A lot of people first get a credit card when they start their jobs or career and at this time their income is low.

This leads to the initial limit being sanctioned by the bank to be a small figure.

The bank also might not have any experience in dealing with a customer which could lead it to keep the limit lower to reduce its risk.

The credit score for a new customer might either not exist or it could be low which leads to a lower limit.

The initial amount is just the starting point and this can rise over a period of time.

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