Congratulations on your approval and thanks for sharing the DP!
Congrats on your approval !!!!
Yeah CLOC unfortunately can’t have the APR adjusted so what you start with is what you are stuck with and they probably asked those questions since the department that does them is not the same as the one that does the credit cards (I read it’s the department that does the auto loans).
I would still rather not use the CLOC anyway - if I ever have an emergency, I’ll take an advance off the Plat at 9.99% before I’ll use my CLOC for 15.9%.