They are both revolving lines of credit, as they provide an appproved limit of credit that you are permiited to use at your discretion, with repayment revolving around the amount of your current usage. Thus, both are scored as revolving accounts.
One distinction is how the revolving credit is made available to the consumer....either by tapping on the account balance directly with the creditor, or using a piece of plastic to increase the balance.
A more significant distinction is that many LOCs, such as a second trust account, are secured, and thus have lower risk. However, other LOCs are totally unsecured.
I presume that Fair Isaac perceives some difference in risk based on the type of revolving credit, so may score a CC different than an LOC, or they may score secured CCs different than unsecured cards.
How specific those distinction may be are all part of the proprietary mystery of their scoring algorithms.
