system
A chat on subreddit /r/wallstreetbets
human
It's kind of amazing how arbitrary it is.  Like $25k income and credit score of 690?  Here's a $7,000 limit!  $120k income and credit score of 800? Here's a $7,300 limit!
gpt
For some reason, despite having incredibly good credit, I have a hard time getting my credit card company to increase my limit over $1000.

Which is a pain, because I *occasionally* have a rare purchase where a single item is over that limit, making it practically impossible for me to buy that item with the card.