Borrowing limits refer to the maximum amount that one can borrow. However, there are several synonyms that can be used in place of this phrase. One such synonym is credit ceiling, which refers to the maximum amount that a borrower is allowed to borrow from a lender. Another synonym is the loan cap, which refers to the upper limit of a loan amount that a borrower can access. Additionally, credit restriction refers to the limits set by financial institutions to curb borrowing. Finally, credit cap and borrowing capacity can also be used interchangeably with borrowing limits.