Whilst there are some basic things that you can get a definitive answer on in this forum, it is really about sharing knowledge of this new system. This relies on everyone doing all they can to find out the answer to their questions and sharing their findings. I've already shared with you the extent of my research into proof of funds. I genuinely believe that you don't count credit card debts/loans when calculating proof of funds (although you still have to declare all debts at the time of ITA). If you want to have a concrete answer to this, the only people who can give you this is CIC.
If you are genuinely concerned about this, you need to keep calling them. They will give you an answer when you get through to speak to someone.
If you are genuinely concerned about this, you need to keep calling them. They will give you an answer when you get through to speak to someone.