u/EclecticMedal

I have two lines of credit - one I use regularly and one is untouched, I have read and heard that banks will close your LoC if you don't use them. Do people have any tips? I'd be fine with moving money out of one for a month or whatever, paying interest, and then paying it off - but unsure if there are minimum amounts that keep the LoC open....I would prefer not to lose access to them even if I don't use them often.

Curious how this actually works mechanically, for anyone with knowledge of the PSPP rules.

Say someone works in BC Corrections under the public safety designation, then leaves the public service entirely for an extended period — years, not months. Later in life, they rejoin BCPS, but in a different branch under the regular member designation (not public safety), something like working in a liquor store.

A few things I'm trying to understand:

1. Does pension service just "resume," or does a long gap change how it's treated — does it sit untouched until combined with new service, or is there some sort of new formula and separate stream for the added years?
2. Does the best-five-years / highest average salary formula still apply to the original service, or can a gap affect how that's calculated?
3. Since public safety and regular member roles have different accrual and early retirement provisions, how does the plan actually blend the two when someone has both types of service on their record?

I know "call Pension Corp" is probably best to answer some of these questions, but wanted to see if anyone's navigated something like this — especially a public safety-to-regular-member transition after a gap. Appreciate any insight.