The study looked at how people's use of credit lines affects their likelihood of defaulting on a loan. They found that when individuals are in danger of defaulting, they tend to use more of their credit line. Interestingly, using more of the credit line can actually decrease the chances of defaulting on the loan. This suggests that people might be using their credit line to help them make loan payments when they are struggling financially. The research suggests that banks should pay attention to both credit lines and loans to better manage their customers' financial situations.