Addison Avenue FCC - Question

[Itsmeagain]

APPROVED for 10K Visa

-or-

5K Visa and 5K LOC.  (applied for both (15k), but they countered with the 5 & 5 deal).

Visa will report as a CC, LOC will report as a loan.

APR's are 7.25 for CC, 11.9 for LOC.

Will PIF both each month b4 statement.

I don't need the additional credit line because open accts. are now about 100K available <10% utilization.

Which would be better for FICO . . . take the 10K CC or the 5 & 5 deal?

[Itsmeagain]

Nevermind . . . just went for 7.5K Visa and 2.5K LOC.