As a Canuck with a Canadian banking institution, I don't have the luxury of walking up to an ATM machine and withdrawing cash without paying ridiculous fees. I also don't want to constantly walk around with my entire bankroll all day, and for arguments sake, let's assume i don't want to lock it in my safe either. Just wondering how others get around this? How does requesting a line of credit work? I assume there's interest on the line? I don't make a lot of money, i might not even get approved for it, but still curious none the less.