As I have a big wedding coming up in Jan next year, just took out a LOC to provide a buffer if required. ATM, still have the PPOR (which will be IP next year) in addition to now 3 x credit cards with limits totalling $49k.
1 x card I dont use, it is my primary however
The other 2 cards I took advantage of CBA's promotion of 0% for 10 months on purchases. So have used these two cards for various purchases for said wedding, and to live on whilst I hoard funds in an offset account. Happy to disclose figures as this is an investment forum. So ont he two CC, I have current debt exposure of $31k, and have $24k in cash. As the first cc's 10month promo finishes around May, I have forecasted I wil be around 3-5k short in order to pay it off completely. To avoid this shortfall, I've set up a $70k LOC which will help us out with cash buffer, and will start buying parcels of shares next year eventually too!