Yep, same here - never used it.
What's really funny is that almost every time I go into my bank, they actually almost badger me into getting lines of credit for each of my businesses - and not even the manager, the TELLER keeps saying "you know, you can open lines of credit for your businesses - I can do it for you right here, right now."
They must be the only bank in America that is TRYING to get people to open lines of credit
