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@oneofgodsown It's typically not in the bank's best interest to call loans and mortgages on people, but it's not unheard of, and it's not always for reasons that make sense. I personally know two people that had their "client relationships" ended with their bank with very little explanation of...

@oneofgodsown Nobody intends to have a credit score in the 600s, it happens sometimes due to unforseen circumstances.

@kevin76 It has to do with your personal risk honestly. When it was just me living alone, I didn't have any cash on hand ever, because I know that I'm capable of living on stale bread and beans for quite a while. As I got a wife and kids my risk profile changed quite a bit.

@monsoon The main problem with this is that the banks can call your LOC with very short notice. If you're in financial trouble when you need it, and the bank decides to ruin your day, suddenly you have nothing.