my LOC is at 15.49% - so pretty useless
that said - i use LOC's as temp float accounts - rarely used throughout the year - but there if i need them (avoids a Cash Advance on a CC, which i absolutely refuse to use)
i am closing my Citizens LOC and checking account in the next month or so
i just got a USB LOC at 10.25% to replace it
I also hung a lot of paper with them. I was in the business from 96-06 and even won a trip with them back when the banks begged for paper. I was the F and I Director for the largest dealership group in Delaware at the time. Granted I knew a bit about credit (reading and judging from reports) but until I came here I truly never realized how FICO truly worked. I've found a lot of positive info on here. I'm a Citizens account holder and have been for years and the transfer of HSBC went pretty smooth other than the wait times on the phone if you needed customer service.