Final answer:
The cash back limit on a debit card is restricted by the cardholder's available balance, since a debit card is connected to the user's own bank funds and not a credit line. Other factors like credit score, income, or employment do not directly impact the cash back limits for debit cards.
Step-by-step explanation:
The main answer to what limits the cash back option with a debit card is C) The cardholder's available balance. This is because a debit card is linked directly to a cardholder's bank account. When you use a debit card to make a purchase or get cash back, the money is immediately deducted from the available funds in the account. Unlike credit cards, which allow you to borrow money up to a certain credit limit, debit cards do not offer this ability to borrow. Your spending is constrained by the actual funds you have, and therefore, the amount of cash back you can receive is limited to what is available in your account.It is important to note that other factors like the cardholder's credit score, annual income, or employment status do not influence the cash back limit on a debit card, as these are more relevant to credit products and borrowing.In conclusion, when considering cash back limits on debit cards, the focus is on the actual available funds in the linked bank account rather than any credit capabilities associated with the card.