As another person who works in retail lending, I will say that especially with any unsecured lending (so lines of credit or loans), we have room on interest rates to negotiate.
Now obviously there must be just cause, but there is always room. The only place that I personally struggle to get some rate adjustment is when it comes to mortgages. However, as it's stated above, the rate is only half of the loan. Also look at the payment schedule and see that it fits within your budget. Especially if the Line of Credit is maxed out.
Always plan for the worst case scenario and you are golden moving forward. PM me if you have any other questions or need some more advice
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