A credit line is a type of short-term/long-term loan, according to the terms of which a bank grants a borrower a loan within agreed maximum amount (credit limit), which a borrower can use in full or in parts (tranches) at any time during the term of a loan agreement. At the same time, the credit limit within the term of an agreement may change (increase or decrease) depending on the terms of a loan agreement (repayment of selected amounts, term of agreement etc.).