The previous examples show the best use of this type of credit line. Unfortunately, many borrowers use the credit line to their disadvantage. Instead of using the credit line to make money, they use it to create debt. Furniture, automobiles, travel, borrowing by relatives, and so on can all be financed with the credit line.
You have to take a realistic view of your monetary discipline. One way to do this is to look at your credit card use. Go over your purchases for the past few years. Are there several impulse buys that you now regret? Are you making minimum payments or not bringing down your balance because there is always something else you want to buy? If so, stay away from a credit line. If you cannot handle a credit card with a ten or twenty thousand dollar limit, imagine the trouble you will get into with a one or two hundred thousand dollar limit.