So the file has been created with the permissions 644. What controls the permissions with which a new file gets created is something called the umask.
By default on a SUSE system, a normal user's umask is 022, which means that the permissions for a new file added to 022 will make 666, whereas the permissions for a new directory added to 022 will make 777.
SUSE's defaults are relatively generous and open — the fact that the users you create are by default all members of the same group (users) and that the default umask is 022 means that files created by one user can be read by another. If you want to change a user's umask, you can change it in the .bashrc file; see the section on user preferences that follows.
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