The credit limit is available for your own personal use to purchase what you want.
At the point of purchase, you will know all relevant information like admin fees and interest rate along with installment durations with no hidden fees.
We are different from banks and credit cards as all calculations are done at the point of purchase on the contrary banks charge interest as you go, and every time you are late you get more interest.
We only provide products to be purchased through our Merchant list, we don't provide the limit in cash