Personal Line of Credit for Real Estate

[Miller McSwain]

I found that US Bank offers personal lines of credit for $5k-$20k at 10% interest with no annual fee.
I figured it wouldn't be a bad idea to have access to this for a rehab overage, black swan event, etc.

Does anyone know how simply having access to this, but not actively using it, will affect my personal credit? I am buying my first property in 5-8 months and would hate to mess with my credit score.

Thanks!