by Onthelake ?? Thu Jun 24, 2010 6:54 pm yes your credit history, employment or other income, and how much you already owe will come into play...do NOT tell them you want the money for a procedure...you do not have to tell them anything...a credit line is a credit card with no plastic......a credit line can be secured or unsecured...do you have a house yo can use as security?, if yes your interest