The key to this problem is that the relationship between the guarantee company you are looking for and the bank you want to borrow is not hard, so when the whole scale is reduced, you can only sacrifice the credit line of some people.

Solution: You need to find a guarantee company that has a good relationship with this bank in your local area. Banks generally have a vague relationship with guarantee companies. There is not enough manpower now, so we can only lend it to related households. You are not a customer of their related households. After understanding this truth, you will know where to work hard.

You should always know people in the bank, or indirectly. They should know the relationship with that guarantee company, so you should go to the account manager of which guarantee company is responsible for personal loans and spend some guarantee fees, and the success rate should be very high. Generally, if they accept your guarantee fee, there will be basically no problem, but it will take some time to wait for the credit line.