Insufficient credit line may be three reasons.

1, there is no credit record in the credit investigation, so the bank can't judge whether this person is trustworthy or not, and may not be able to grant credit.

2. Frequent application for loans or multi-head loans in a short period of time indicates that the borrower is short of money. Although there is no overdue behavior, the risk of overdue is great, and banks may not grant credit lines to avoid risks.

3, there have been many overdue, even three to six overdue and long-term overdue, which is particularly serious. At this time, it shows that the borrower's credit is very poor, and such people have no chance to get a loan. At this point, the bank will refuse to issue loans to it.