How is a Ready Reserve Account (associated with Checking) classified?

[Kat]

I have a Ready Reserve account (overdraft protection) attached to my checking acount with a CL of $5000.  Do the CRAs treat this like a CC acct or a personal loan? 

Is it better to carry debt on a CC or in this Ready Reserve account?

[Anonymous]

It should be treated as a LOC (line of credit)

Post 100!!! for Timothy

[Tuscani]

It could be a LOC or a CC. Both are Revolving.. but you should verify with the bank so you know.