I'm wondering what sort of rates people are seeing on unsecured lines of credit? Right now we have a $10k unsecured LOC at prime + 2.25% at PC Financial and I was looking to raise the limit on the LOC to temporarily cover the cost of some renovations and am trying to figure out if the rate is reasonable or whether I should also be asking for a reduction there. We don't generally carry a balance, it has always just been for emergencies but we were looking at spending some money on the house then adjusting our financing to get the money back off the LOC. It's just for a few months so the rate doesn't really matter THAT much but I hate giving money to the bank.