Wouldn’t this be more a measure of credit worthiness? ....the amount of credit which institutions are willing to float in each area? People get credit card expansion applications rejected regularly. The criteria for approval vary according to payment history, income, and income potential.
If you don’t have a large credit limit then your revolving balance will be a larger percent of your limit.
Good point. Qualifying for a credit card is not easy if your income and credit score are low or nonexistent. For all we know, these borrowers could be middle-income earners who lost their jobs.