Credit Card vs Personal Loan — எது Better? ⚔️ 💳 Credit Card → ✅ Short Term (1–3 Months Pay) ✅ Rewards + Cashback ✅ 50K கீழ Expenses ⚠️ Full Pay இல்லன்னா 36–42% Interest! 💰 Personal Loan → ✅ 1 Lakh மேல ✅ Fixed EMI — Budget Clarity ✅ 10–18% Interest மட்டுமே 💡 Simple Rule: 50K கீழ = Credit Card 1L மேல = Personal Loan #online loan #loan #Loan Service