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The credit limit for someone earning $50,000 can vary based on several factors, including your credit score and overall financial behavior. Generally, lenders may offer a credit limit equal to 30% to 50% of your annual salary. For precise guidance on how to approach your credit limit inquiry, refer to the Massachusetts Sample Letter for Notice of Credit Limit - Conversion to C.O.D. Status, which can provide a solid framework for drafting your communication.