What happens if a lender gives you more credit than you are able to repay?
It should never get to this point. First, borrowers should read any paperwork before signing and never agree to something that they don’t understand or cannot afford. Second, lenders are heavily regulated and, in theory, aren’t permitted to dole out loans that their clients are unable to repay. If your debt is beyond your means, you could lodge a complaint of irresponsible lending.