My brain is not comprehending….the loan is at zero, but good up to $100K. So, I could use the card or check and get cash, make purchases in any amount. I could write a check to Home Depot for $50, and then the balance on it would be $50. Of course, then I would have to pay it off or pay interest. Wouldn’t then my lien be at $50? So, how can I show a lien at $100K?
