Line of Credit
A line of credit is not one’s own money. It is money that belongs to a bank that they are willing to lend out.
So if someone owes money to another party and cannot afford to pay it out of one’s own pocket, but have a line of credit that would cover it, are they required by Halacha to use their line of credit to pay off the debt, which might lead to them having to pay interest on the credit card payment?
To do so is essentially robbing Peter to pay Paul.