How come on a Personal line of credit loan you get charged an apr and a periodic finance charge? | All About Money Online

How come on a Personal line of credit loan you get charged an apr and a periodic finance charge? Why not just get a credit card then? I dont get it.. I know credit card rates are high now but most times you can find credit cards with lower rates then my line of credit. someone please tell me the positives of have a line of credit loan…

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