# Line of credit = risky check? **URL:** \ **Category:** Factual Questions\ **Created:** [June 18, 2016, 1:58am UTC](https://boards.straightdope.com/t/line-of-credit-risky-check/757657 "2016-06-18T01:58:17Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![jasg](https://avatars.discourse-cdn.com/v4/letter/j/f0a364/32.png) [@jasg](https://boards.straightdope.com/u/jasg)\ **Post date:** [June 18, 2016, 1:58am UTC](https://boards.straightdope.com/t/line-of-credit-risky-check/757657/1 "2016-06-18T01:58:17Z")
I have had a LOC from a major US bank against my home for over a decade & have excellent credit. On the years I have used it as a backstop for unexpected expenses. Twice this week I have had banks question checks written against my LOC. (One bank was my primary bank who reluctantly accepted the check since I have been with them for decades.) This is new - has something changed in the banking industry that makes this type of credit suspect? ---
**Author:** ![Tim\_T-Bonham.net](https://avatars.discourse-cdn.com/v4/letter/t/46a35a/32.png) [@Tim\_T-Bonham.net](https://boards.straightdope.com/u/Tim_T-Bonham.net)\ **Post date:** [June 19, 2016, 8:31am UTC](https://boards.straightdope.com/t/line-of-credit-risky-check/757657/2 "2016-06-19T08:31:35Z")
Possibly because of the size of the checks? One person I know who has this uses line-of-credit checks only rarely, for big items, like purchasing a new car. So they are checks for a much larger amount than normal bank checks. ---
**Author:** ![jasg](https://avatars.discourse-cdn.com/v4/letter/j/f0a364/32.png) [@jasg](https://boards.straightdope.com/u/jasg)\ **Post date:** [June 19, 2016, 2:50pm UTC](https://boards.straightdope.com/t/line-of-credit-risky-check/757657/3 "2016-06-19T14:50:08Z")
No, not particularly large, only a thousand in one case. It appears that banks consider these checks to be a bigger risk. Just don’t understand why this seems to have changed.