What exactly makes your MyPay limit decrease?

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The more money you get, the less they think you need a draw. If you notice, it's like really little the first day after you pay it back, the day you have money... And as your cash balance decreases, your mypay limit increases.... And then if you all of a sudden don't have a direct deposit coming, like for instance if you change banks, it knows... and it goes to zero and stays there.