Do PLOC's get scored exactly like CC's?

[SouthJamaica]

I just got my first PLOC's that will be reporting to credit bureaus, and I'm curious as to how they affect scoring, compared to credit cards.

What I wonder about most is whether, when a small balance is reported, that counts as a "card with balance".

Thing is, any PLOC that is used at all during the month, will have some interest showing up on the statement.

[Anonymous]

My experience with four various types of LOC and PLOC is that they all report like credit cards. Note, this could vary by lender depending on whether they treat it as an installment loan or credit card. Was with a credit union that treated the LOC as an installment loan. Likely other posters have other experiences. Will be interested in your findings.

[manyquestions]

Mine are all scored as if they were credit cards by FICO.

[SouthJamaica]

Thanks for the information; this should be interesting.

I guess it's an adventure.