<prompt> Human: This is at Wells Fargo.The other day I went into my bank to see if it would be possible to pay off my entire credit card balance on the first of every month, as oppose to paying off the balance on my last statement to simplify my budgeting. To make this short, I found out that I cant. I would have to make a manual transaction myself in order to do this.As Im halfway through the conversation with the banker, he lets me know that since I been a customer for 13 years, and have had a credit card with them with a 600 limit for two years, that I qualify for a personal line of credit. This line of credit would give me access to 3,000 - 10,000. He proceeded to go ahead and start opening the PLOC on my account without actually asking me and confirming if I would like to have this line of credit opened! I immediately told him to hold off I like to know what Im getting into before I sign up for ANYTHING. He let me know that not a lot of people qualify for this, and that I should be lucky to be able to open it. I told him to hold off on opening the line of credit until I do some more research.I told him that I currently use my credit card to earn points and build credit, I pay the balance in full every month and never use more then 30. The credit card gives me rewards points 1 per every and does not have an annual fee. He mentioned that the PLOC is a great way to to build credit, but it does not have reward points and has a 25 annual fee.I currently have a 9,000 rainy day fund and Im saving roughly 1,500month for a down payment on a house. So I obviously dont have the need to have access to 3k to 10k worth of money which I will be charged interest on if I ever use it.My question: Should I open the PLOC and use the money to build my credit? The banker said I could save 10s of thousands of dollars down the line when I get a mortgage for a house, by utilizing the PLOC to build my credit which will allow me to get a lower interest rate on my mortgage in the future What do you all think? Personally I like to keep my finances as simple as possible. I already dont like the idea that I need a credit card in order to build credit one more think to track and didnt get a credit card for the longest time because I always had a nice amount of money put away in the case there is an emergency. So I already have one credit card just for the sake of building credit and I would rather not have another account openned just for the sake of building credit. I also feel that the banker was being a bit pushy in having me sign up for this PLOC, almost as if he was more interested in earning some commission instead of looking out for my best interest.Thanks in advance!  <response>: FYI, Wells Fargo tellers are instructed to get customers to sign up for as many products or services referred as solutions internally; there are incentives for meeting the 8-solution quota, and consequences for not.There is a current Federal regulatory probe that is attempting to determine if these sales practices are anti-consumer enough to warrant actionIn the meantime, do not sign up for any product or service that a Wells Fargo employee suggests. If they attempt to sell you on any more products or services, tell them that you do not want to be pitched any solutions, and that you will not help them meet their Gr-eight initiative. 