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What's the Difference?

Regular Contributor

What's the Difference?

I'm hoping some of you credit pros can answer what might be a stupid question...  I recently received a number of pre-approvals from PenFed.  Included was a personal loan for $25K and a personal line of credit for $25K.  There were offers for boat loans, car loans, trailer loans but no offer for an increase to my Visa.  Is the personal line of credit the same as my Visa?

 

Thanks!