Justine Oxley currently is not working as she believes her role is to look after her young children. Her husband is an oil-field worker and is often away on location for 6-monthly periods. The family allocates $1000 for household expenses monthly and this amount is automatically credited to Justine’s cheque account. The rest of her husband’s pay, apart from a small allocation as his ‘pocket money’, is directly transferred to their mortgage account so that the balance is reduced as rapidly as possible. Abnormal health expenses paid this month have left her short of funds until the next monthly payment of funds into her cheque account. What type of credit facility best suits her needs?