<prompt> Human: My bank Wells Fargo is offering me a personal line of credit. Is there any reason I would want that instead of just, say, more credit cards?According to various website calculators, the thing hurting my credit score 720 right now is not enough open lines of credit and maintaining too high of a percentage balance even though I pay everything off in full every month. I also just bought a house and am not planning on getting a new car any time soon. I can take the hit to the average length of open credit number because it will be years before I reasonably need to use my credit score again.Has anyone opened a line of credit with a bank before? What was your experience? Are there any benefits to doing this over just a standard credit card?The only think I can think of is that the credit line they offer will likely be far higher than my credit cards. I keep my three credit cards at a fairly low limit, but due to my income I expect the credit line would be significantly higher...probably in the 30-50k range.  <response>: A personal line of credit is still a revolving account like a credit card, but instead of using it for plastic you use it for cash type spending for significantly lower rates than credit card cash advances some allow you to draw checks, others allow you to transfer money to yourself.My PLoC doesnt have a grace period so if I have to draw against it I will be charged interest right away, but the APR is 6.25 as opposed to my credit cards 24.99 cash advance APR and credit card cash advances also have no grace period. So if I happened to need to use a loan for a cash spend, the LOC is where Id take the money. 