Loan vs. credit cards: which financing fits you?

The expensive everyday loan

Credit cards and overdrafts are flexible, but often carry double-digit interest. Anyone who uses the limit permanently pays a high price for convenience.

When the instalment loan wins

• The balance remains outstanding for months

• You want a fixed end date

• Several cards should disappear into one instalment

A personal loan turns an open limit into a repayment plan.

How to switch cleanly

Apply for the sum of the outstanding balances plus a small reserve. After payout, clear the cards and reduce the limits.

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