If a customer's account has multiple returned checks, what might this indicate?

When a customer's account has multiple returned checks, it typically indicates potential issues with spending habits. Returned checks happen when the account holder tries to withdraw or spend more money than what is available in their account, suggesting they may not be managing their funds effectively. This could reflect a pattern of overspending, lack of budgeting, or other financial difficulties. It raises a concern about the customer's financial behavior and highlights the need for the customer to review their spending habits and overall financial management.

The other options do not align with the implications of multiple returned checks. Sufficient funds would mean checks would be honored, and eligibility for increased credit wouldn't be directly related to the behavior indicated by returned checks.