Bank pushing HELOC
For all the talk of "no credit" (which is as much hype as substance, I suspect), my bank tries to push a HELOC on me regularly.
Last time, they were giving me the "too much in savings" pitch and wanted me to put the money in a CD instead. I pointed out we had saved that money as a liquid rainy day fund. "Oh, don't use your savings, we can get you a HELOC...."
I realize my LTV ratio is low and my FICO is high, but you'd think they'd discourage using the house as an ATM on a rainy day.