Working Capital Line Of Credit Are Personal Credit Cards Used To Start Up A Business Considered Capital Or Liability?

Are personal credit cards used to start up a business considered capital or liability? - working capital line of credit

He wore $ 90,000 to start a business using personal credit lines. My partner has contributed $ 10,500 in cash. He said that since the lines of credit interest in the real liabilities of companies are not being applied and considered as capital? How does it work?