Personal loan or credit card which is better

[DuvvaAbbulu]

I have credit card usage of 98% 17$ dhi 27.5% Intrested started 

today I got a email 15% apt for personal loan , for 15k is it better option to take personal loan and clear , credit score Inka dobbithada loan tesukunte ?

[csrcsr]

12 minutes ago, DuvvaAbbulu said:

I have credit card usage of 98% 17$ dhi 27.5% Intrested started 

today I got a email 15% apt for personal loan , for 15k is it better option to take personal loan and clear , credit score Inka dobbithada loan tesukunte ?

Available credit has huge impact on credit score bro , 

Personal loan fiest you will get hit but as you keep the credit card debt zero to 5% under the credit score goes up

Rendu rende bro the problem with personal loan is first 1 year lo emi lo most of the thing wi be inteest , but not a bad option one more idea is instead if paying minimum payment pay 4tomes or 3 times of your minimum payment slowly your score goes up

Rendu voddu ante friends help tiuskoni make sure you pay them on time all you need is one bonus and some savings to clear your credit score will go up

[Pahelwan2]

18 minutes ago, csrcsr said:

Available credit has huge impact on credit score bro , 

Personal loan fiest you will get hit but as you keep the credit card debt zero to 5% under the credit score goes up

Rendu rende bro the problem with personal loan is first 1 year lo emi lo most of the thing wi be inteest , but not a bad option one more idea is instead if paying minimum payment pay 4tomes or 3 times of your minimum payment slowly your score goes up

Rendu voddu ante friends help tiuskoni make sure you pay them on time all you need is one bonus and some savings to clear your credit score will go up

Friends istaleru va adugute. Phone cheyodu paisalaki aithe antunaru

[csrcsr]

Just now, Pahelwan2 said:

Friends istaleru va adugute. Phone cheyodu paisalaki aithe antunaru

Andaru friend degara undali kada anna , some people maintain reserve money two incomes etc you should give them confidence in cSe of emergency card or loan tisi ippistha ani cheppi, unaka kuda iyaka pothe not real friends anna

[Pandubabu]

Whatever gives you better rate within the term you can pay off.

I used bofa balance transfer offers 0% apr , 3% promo fee to pay with in an year

[DuvvaAbbulu]

4 hours ago, csrcsr said:

Available credit has huge impact on credit score bro , 

Personal loan fiest you will get hit but as you keep the credit card debt zero to 5% under the credit score goes up

Rendu rende bro the problem with personal loan is first 1 year lo emi lo most of the thing wi be inteest , but not a bad option one more idea is instead if paying minimum payment pay 4tomes or 3 times of your minimum payment slowly your score goes up

Rendu voddu ante friends help tiuskoni make sure you pay them on time all you need is one bonus and some savings to clear your credit score will go up

Thanks bro

[quickgun_murugun]

38 minutes ago, DuvvaAbbulu said:

Thanks bro

0 Apr balance transfers use chestu high apr loans clear chesko bro !

[stonks_pro]

5 hours ago, DuvvaAbbulu said:

I have credit card usage of 98% 17$ dhi 27.5% Intrested started 

today I got a email 15% apt for personal loan , for 15k is it better option to take personal loan and clear , credit score Inka dobbithada loan tesukunte ?

Credit card appu is like cancer …try to get rid of it ASAP…née minimum balance ki atleast 3-4 times pay chesi megilina money to live till you come out of it 

you can take personal loan and do the same…or call the credit card company and tell n show them that you have this offer and ask them to match it…ask them to transfer to the relevant department, not every agent can do it 

But whatever you do, keep you expenses in check and for heaven sake don’t reuse the credit card if you take personal loan…shred chesi padey danini …good luck

 

[AvramFaind]

With your current credit card usage and interest rate, a personal loan at 15% APR might be a better move. It can help you clear that high-interest credit card debt.Taking a personal loan could also improve your credit score over time, especially if you manage it wisely. Just make sure to do the math and see if the loan terms work for your budget.If you ever find yourself urgently needing cash and have bad credit, unsecured loans can be a solid option. I've checked out a site like https://www.everyday-loans.co.uk/unsecured-loans/ in a pinch, and it's been a reliable source.