We were recently approved for a line of credit to be used for home improvement/debt consolidation purposes. Upon signing the papers later this week, they said they would deposit some of the money into our checking account. Here are my questions: 1. Do they always give you a specified amount upfront? 2. Even though checks for the LOC will not be sent to us for a few weeks, what if we don't want to use this money and we want to pay some of it back? Are we assessed interest right away on this amount? I'm not sure if I...