Should I Open A Line Of Credit?

[Account Closed]

I keep hearing about people saying they are opening unsecured lines of credit. I'm wondering if this is a good or bad thing to do? It seems like a good way to finance your earnest money or your down payments and then refinance? Do I just walk into my local bank and ask them what i'd qualify for as an unsecured line of credit? What are some best ways to go about doing this or should i use a different method to fund my down payments? 

thanks,

Jason