In my current credit card collection, one card always seems to report as being a "Line of Credit", rather than being listed as a "Credit Card" on my credit reports. AFAIK and for all intents and purposes though, it operates just like a credit card? 2 questions:
(1) Is the reason it may be reporting as a line of credit because I also have a savings account with the CU that issues the card?
(2) Do changes in T&Cs operate differently for lines of credit, vs. credit cards? For example, are lines of credit potentially less vulnerable to rate jacks (RJs), or is the risk the same for both credit cards and lines of credit? Was just curious...
@FinStar wrote:
Which card?
A few of mine report as such, but that's simply the CR coding from what I recall. Doesn't really make a difference since technically a credit card with revolving functionality is technically a revolving line of credit.
Your CCA outlines the actual terms and conditions of the product, not the CR coding. Personally, I wouldn't read too much into it 😄
Thanks for the helpful input FinStar, I deeply appreciate it! 
In response to your question about which card is being listed as a line of credit on my CRs: it is the PACU MC.
