Secured loans are OK because you have collateral. So if you don't pay your house loan or the car loan, the bank will simply just seize your car or house.Thats not entirely true. Are you sure about this. If that's the case , I'll never get my PR. I've loans pending - $15k on my car ,$160k on house & $2k on my credit cards when I applied back in November.
I strongly believe outstanding loans and/or credit card bills are not counted against you.
Unsecured loan is a different matter although... it is debt that will one day have to paid from your cash assets. So it makes sense to deduct credit card debt from your provided POF amount.
If your POF amount - credit card debt is less than required amount, I strongly suggest uploading a new POF document along with proof of source of new funds. Because, it is 100% going to result in rejection (assuming you have declared your loans).