A trade line is more like positive history posted and reported on your credit so lenders can see you have positive history. Trade lines also assist with your Debt To Ratio when trying to get approved for a loan. If you lack income you can make it up in credit with trade lines showing as lines of credit. So, your debt won't look as bad when calculating your income and debt as a whole. This is a definite must have when applying for cars, homes, and loans. The more credit lines you add to your credit the higher your credit score will rise and eventually shoot to an 800 score. Credit is GOD remember that. We have multiple Credit lines so choose your Line of credit and we will apply the appropriate account that best suits your credit score needs.