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When should I open a “Line of credit” at my bank?
I have a line of credit that I have attached to my checking account in case of an overdraft.   Since I haven't over drafted my checking account in 4 years, I typically borrow the minimum $5 from the line of credit and then pay it back the next day.   This usually costs me a couple of cents and I have to do it twice a year, but it keeps the account active and they don't close it down.