Your credit line limit is for times your monthly income. You may be able to get eight months for your credit line limit if your annual salary is above $120,000.
Your credit line isn’t like a personal loan. You don’t just receive the full sum of a loan right away. You borrow what is needed at the time. You can do this as often as you like until the credit line reaches its limit. This is incredibly useful if you end up not needing the full loan amount.