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@gracethroughfaith87 That works out to roughly prime+2.5% - when did you get such a rate? That's awesome

@hannahelizabeth93 Going to keep this in mind for my next appointment at RBC. Thanks! It does occur to me now that the RBC rep may have only quoted the pre-approval rate. Although I thought it was the full quote considering i did get the -3 deduction to my credit score - not that it impacts me...

@ife Appreciate your perspective, thanks for taking the time 👍🏼

@nuovacreatura Thank you for the time you took to write this. I really appreciate the insight you are sharing because I'm very new in this area. I have about 5-6 years of credit history with multiple credit cards and a car loan. So I may still be "green". For the most part I think you've...

@clippingimage Thx for info; just repeating what I've seen here on this sub. It looked like they were promotional rates so it's not clear if they were temporary. Will keep this in consideration as it makes the 4.49% more digestible knowing prime+1% is "unattainable" or "unbelievable"

Been offered a 40K unsecured LoC from my primary bank of 10 years (RBC) at prime+4.49% for a total of 11.49% as of April 2024. I have multiple credit products, investments, and chequing/savings account with RBC. This is the first time i am being offered and seeing an LoC rate. At first this...