You can see information about credit card fees in a credit card’s terms & conditions. Credit limits are determined by credit card issuers depending on your creditworthiness. The higher your credit score, the better chance you have of getting a high credit limit. Issuing banks do look at your income level as well when determining your credit limit, but credit history is the biggest factor. An expected credit limit for average credit score (620-719) is $2000-$4500.