Change in terms/product

We have a demand deposit loan product that we are switching current customer out of and into an open end line of credit (not home secured). The interest rate is better but the customer will now have a per transaction charge. So we are doing the 45 day advanced notice. We have offered if they do not want to change they can term out the remaining balance (mostly 1,500.00 or less)for 24 months. Here's my concern I was reading and came across a rejection of change in terms and saw that an amortization of 60 months or more must be offered under the credit card rule, does this also apply to open end unsecured?