Credit card issuers sanction lower credit limit to ‘new to credit’ applicants. Such users are offered higher credit limit later on, once they demonstrate consistent spend and repayment track record. However, the fear of falling into a debt trap refrains card users from accepting a higher credit limit. What they fail to realise is that it’s not the increased credit limit but the propensity to spend beyond one’s repayment capacity that push the users into a debt trap.