re: Getting married. Home equity line of credit question

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you have to look at a HELOC as a low interest credit card. the rate will be an adjustable rate

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This is essentially correct, and it is reported as revolving debt too just like a credit card. The only thing to be wary of is that the house is collateral. For this reason I always suggest keeping open an unused credit card with a high limit. Obviously you don't want to ever have to tap it, but it's an alternative to losing the house in a bad situation.

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I see way to many customers who take out a HELOC then just pay min payments forever on the HELOC.

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If the rate is low enough and they itemize on taxes, this isn't terrible.