<p><pre><code>  &gt; ... if I were to try to get a loan or credit card 
  &gt;  (a.k.a. a line of credit) for my LLC...
</code></pre>
Exactly. The LLC <i>itself</i> does not <i>require</i> taking on personal liability. Your phrasing:<p><pre><code>  &gt; ... but most single member LLCs will require 
  &gt; personal liability.
</code></pre>
... is why I was confused.