1. Credit score: Banks usually judge whether to grant credit cards and loan lines by evaluating personal credit records and credit scores. If there is no credit record before, it may affect the approval result and quota.

2. Income: When applying for a credit card, you need to provide proof of income to ensure your repayment ability. Higher stable income is usually associated with higher loan amount.

3. Employment: Having a stable job or a stable source of income can also have a positive impact on the loan amount. Banks want to ensure that borrowers have enough ability to repay on time.

4. Other financial conditions: In addition to income, your financial conditions, such as deposits, assets and other liabilities, may also affect the credit card limit.