I took a LOC on my house at one point because HSBC was offering Prime MINUS 1%. Paid off my mortgage and then paid the line down much quicker at the lower rate. After that left it open and bought a new car that way. After that was paid I didn't use it and Five Star took over the HSBC branches here and closed me out for no activity. Guess they didn't want $65k on their liability side. Funny thing is now I lose points on my credit score for not having a loan open, bastards.