Lines of credit are often treated like cash in a bank account. Once the credit limit is maxed out bills, credit card payments and even the things you need can be hard to pay for.
A line of credit can be a good tool to consolidate debt, address the occasional emergency or unplanned expense. Many people fall into the trap of using them to cover everyday living expenses including credit payments. The problem is that balances quickly grow as does the cost of repayment. Eventually the credit limit is reached and the minimum payments are all that can be addressed.
In this situation it is best to review all options and come up with a plan that will address the Line of Credit and all other debts in a reasonable amount of time. Creating a livable budget will help ensure that money can go toward savings to eliminate the need for this type of credit product in the future.