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How Much Credit Limit Should You Use? - Credit Utilization Ratio Explained - Best Credit Card ScoreThe average credit card limit in the UK is between ?3, and ?4,, though the limit you get will very much depend on your income and credit history. If you'. Your credit limit is the maximum amount of money, in total, you can borrow on your credit card at any one time. As a general guide, you should try to use less than 50% of your available credit limit. Excessive use of lending can be a sign that you are financially.