To some extent, yes. Cards tend to have a minimum and maximum available credit limit (e.g. minimum $1,000, maximum $50,000) so the credit limit you are offered will be within these guidelines. You may be asked to nominate a credit limit on your credit card application, but when the bank assesses your application they will work out what they think your credit limit should be, based on your income and credit score. If you think that the credit limit you are offered is too high (too much of a temptation, or unnecessarily locking up credit you'd like to use elsewhere) you can ask for it to be reduced. It's a good idea to start with a low limit if you're a credit card first-timer. You can also apply for a credit limit increase down the track, if you wish, but the card provider is not allowed to contact you to propose an increase in your credit limit.