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BMO 'automatically' increases woman's joint line of credit, while spouse racks up debtJust checked online and the PLOC no longer shows as an account. Poof! It's gone! My wife uses this account. It works good for us as her main. cost you $5, but saves a trip. BMO also attaches a Mastercard # to every LOC. It acts as a �shadow� account. So you register a bill payment. The maximum loan amount is $45, and students can apply once and be a part of the program over 4 years. It is an affordable borrowing option.