1. Repayment rate in the past six periods. Check whether the cardholder repays the money on time.

2. Whether it is a normal card use. It mainly depends on whether there is any long-term single large amount of unidentified consumption. To put it simply, it means whether there is any suspicion of cashing out.

3. Shadow quota. The first two determine whether to give, and this value determines how much to give. The shadow limit is a reference value used by the card issuer to evaluate all the cardholder's assets in the bank, such as deposits, financial products, etc.

4. Approval policy. The card-issuing bank will adjust the temporary limit approval policy based on the overall repayment rate. If it is too much, it can give twice the shadow limit, and if it is less, it will only give 110.

5. Approver. It is said that this factor does exist. Sometimes the quantity is too large, and the approval staff may make mistakes.

6. The cardholder’s work unit. Overseas consumption records to verify whether the cardholder is a high-quality customer.

7. The sum of the quota usage rate in the past three months is less than 105. This will make the bank think that your existing fixed limit is sufficient.