Which of the following can refer to a type of secured line of credit with a lender?

Both "overdraft" and "cash credit" can refer to a type of secured line of credit with a lender. These terms can also refer to financial institutions that allow you to withdraw more funds than you actually have in your demand deposit accounts, although the specific functionalities of these allowances can vary. These provisions are sometimes referred to as overdraft protection, while others might be called cash credits. Be aware of the policies at your own bank or credit union, and know what costs are associated with overdrawing on your account.