Irresponsible lending credit card and overdraft halifax

[Roblobsterrr]

Hi, I'm wondering if it is possible to apply for irresponsible lending with halifax. Three years ago I applied for an overdraft which was only £100 and I was denied by halifax. After being denied I recieved a letter in the post telling me about credit cards and their benefits. I then applied for a credit card and was accepted straight away. The limit on the credit card was £500 which is way more than I tried with the overdraft. Then after a while i applied for the overdaft again and they accepted it. Now the overdraft limit is £970. I am almost at the limit with both and can't afford to pay them off. Is there a case here for me?