Look at word of mouth, the more you use, the more you borrow. If you can't pay it back in time at one time, it will be reduced and you may not be able to borrow it.

There is an account with an account number of 3000 for 3 months, 12 months can be loaned to 24000, and yours should be within 30000-45000. How much depends on whether your account is used frequently.