Whether it's a short-term loan (like a payday loan) or a longer-term loan (like a mortgage), a loan is for a set amount of time. Once you've paid it back, it's done.

A line of credit is different. As long as you pay the monthly minimum (which covers your interest and some of the cash amount used), you pay the rest back how and when you want. Once you've paid it back, the credit is still there for you to use at any time.

If the amount of credit we make available to you changes at any time, we'll let you know.