I do not have a personal line of credit, no need for one. I feel I am doing very well with my spendings and limitations, and as much as I hate it, I'm trying to sell more cards
to help upgrade or add new pieces to my collection. Got hit hard get a very nice signed 1940 PB of Ted Williams and Mays, Aaron and Koufax signed rookies.
If something comes up that I HAVE to get for my collection, I will consider a line, or borrow from someone. But can't imagine using thousands and thousands of dollars. The thought is too scary that it'll get out of hand into something worse.