I am currently working full time in Toronto on my IEC Visa. Very good salary for over a year. I received my ITA and I have to supply proof of Funds. I read somewhere before that if you have full time employment you don't have to have the funds. Is this true? It asks to supply proof of the 14,000 which I don't have. Also it asks for proof of loans and credit cards. I have a nearly maxed out line of credit and a well managed credit card. Will this effect my application?