The user's qualification has an impact on the quota. Generally speaking, the better the qualification, the higher the quota. Users can prove their repayment ability and consumption ability by submitting personal property information and work unit information. The materials submitted can be proof of real estate and automobile production. At the same time, maintaining good credit is also conducive to the issuance of credit card quotas. If the user has bad credit, the bank may even reduce the user's usage quota.