If the property is in the wife's name, it has nothing to do with yourself. The general credit card limit is 50,000.

Civil servants, cadres at the department level, approved about 30 thousand.

If you have a mortgage (whether you haven't paid it back yet), a car (also in your own name), or a bank deposit, you can increase the amount, probably to more than 40 thousand.

No emotional doubts, hope to adopt.