What kind of verb should double the last letter in the past tense? For example, the past tense of refer is referred, but it seems to be a whisper with the same structure. The past tense is whispered. How should we judge whether we should double write the last letter?

What kind of verb should double the last letter in the past tense? For example, the past tense of refer is referred, but it seems to be a whisper with the same structure. The past tense is whispered. How should we judge whether we should double write the last letter?

Before 'whisper'
The accent "refer" is at the end of the sentence
And the last stressed syllable must have only one vowel, such as stop. And real can't