Don’t forget that credit cards are issued to make money and they are not for your benefit. The issuers of credit card will not leave a single chance to earn money from you. When you compare credit cards, it is important to check the penalties and fees dictated by the issuer.

They will put penalty charges if your payment is late or you cross your credit limit. They will not decline your limit but instead put a penalty for it. Take advice from maybank2u about various credit cards limits and penalties.