Italian banks

A few days ago I tried for fun to borrow money in a bank. Each word can be used against you. Bank. 1: "Do you already have a line of credit at other banks?". Answer: "No". "Well, this is a parameter that this bank can't evaluate positively. It means that no other bank has trusted you." Bank. 2: "Do you already have a line of credit at other banks?". Answer: "Yes." "This is a parameter that the bank can only consider negatively. It means that you are already financially exposed." Fortunately, it was only a test.