With most lines of credit, customers can make withdrawals using their cheque books or at ATMs. Interest is charged only on the amount of line utilised.

Some revolving line of credit products are bundled with a term loan, which gives consumers the convenience of repaying their borrowed loan through a fixed monthly instalment. This is typically very useful for consumers as it gives them a structured repayment plan every time they need a loan. For example, Citibank's Ready Credit product comes with PayLite.

Consumers can increase or reduce the loan tenure with PayLite, giving them greater control and flexibility in managing their cash flow as financial needs evolve.