1. Weizhong Bank shows that there is a limit, but it cannot be used. It is probably because this line is only a pre-authorization line provided by Weizhong Bank to users, not something they can already use. If they want to borrow money, they must get approval from Weizhong Bank before they can use it.

2. Personal credit information with bad records, such as overdue repayment and credit compensation, will make the system identify you as a black account, so you can't borrow it.

3. The user's debt ratio is too high and the repayment ability is insufficient. If the lending institution judges that the user does not have enough repayment ability, it will not lend money, because once the user cannot repay, the financial institution will bear the losses.