Many of you will be wondering if you should get a Personal Loan to solve your debts. Here are a few pointers of personal loan versus credit cards. At a first glance, many people think that personal loan interest is much lower than credit card interest. This is actually a false conception as personal loan interest is flat rate and credit card interest is based on balance owed. Read more about flat rate. The effective rate of personal loan may be near double than it’s value. This is as high as credit card interest or maybe slightly higher.   When should

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