A credit card is a card whose limit the bank determines after evaluating the customer against certain criteria.
The process of assigning this limit to the customer, based on criteria such as the customer's income, payment history, limits used at other banks, and credit bureau (KKB) score, is called limit allocation. Although the number of parameters checked during allocation varies from bank to bank, it is nearly always well over 100 at every bank.
Prepaid cards and debit (ATM) cards do not go through an allocation process.
Limit allocation and a limit increase are not the same thing
Limit allocation is the limit assigned to the customer when the card is first issued. A limit increase, on the other hand, is when the bank raises the limit after the card has already been in use. How an increase can be carried out is separately regulated by law, and in most cases the customer's consent is required.
The allocation decision is made using the bank's scoring model and credit policy. Income documentation, employment status, existing debts, and Credit Registry Bureau data all feed into this decision. The same customer can receive different limits from different banks, because each bank applies its own risk appetite.
After issuing the card, the bank continues to monitor the customer's payment behavior. A customer who pays regularly may have their limit reassessed upward; a customer seen as risky may have their limit lowered, to the extent the regulation allows.