<prompt> Human: I have had a HELOC with Huntington Bank for 8 years that I used to purchase my home. They call it a personal credit line. It has a large balance and a variable APR. The interest rate went up to 4.5. I got a call from the bank, and they offered to lock the rate at 3.99 for 25 months, no fee. This was not a feature of the account and its going to save me a bundle. Im confused as to why they did this. They said its just to keep me happy. Are they worried that Im going to refinance elsewhere? I doubt I could find better terms anyway.  <response>: Perhaps they had a wave of people refinancing away from Huntington Bank, and they just wanted to keep their remaining customers happy. 