💳 Credit Card:

• Good for small, flexible purchases
• Often comes with rewards or cashback
• Higher interest if not paid in full monthly

💰 Personal Loan:

• Better for large one-time expenses
• Fixed repayments over time
• Lower interest rate than most credit cards

🔎 Ask Yourself:

• Do I need flexibility? → Credit Card
• Do I want structured payments and lower rates? → Personal Loan
• Do I carry debt already? → Consider consolidating with a loan

🧠 Choose what aligns with your income, repayment habits, and goal.