So work with me on this one but I love the idea of being my own bank I just need to fund my self so I started thinking.

Let's say I have a credit line of 5K, when you scroll to the bottom of the app it states that if your value reaches X amount a "small partial loan repayment will begin" Most of my assets are normal cryptos that go up and down like ETH, DOT, LTC with a small amount in stable coins (USDC). So my question is. If I got my stable coin value equal to and or more than the X amount needed to keep all my funds before repayment is issued in a bear market scenario, Would that make my other coins safe?

For example, If I got a Personal Loan for 5K, and let's say I get $4,450 because of fees and stuff. I buy USDC and Now I have a credit line of $9,095 because 90% LTV. If I use my own credit line that I can pay back whenever I want as long as I don't go below X amount. I can pay off that Personal Loan And my account will not go below a set value because USDC is pegged to the dollar... Unless the dollar crashes but that's beside the point.

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Is this a correct way of thinking?

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Thanks in advance.