The right option depends on the amount you need, how quickly you can repay it, and the terms available to you. A personal loan commonly has a defined repayment schedule, while credit card balances can work differently depending on how you repay them.
Paying only the minimum due on a credit card can leave a balance that accrues interest. Review the card's interest rate and fees rather than assuming the minimum payment is an affordable long-term plan.
For a personal loan, compare the APR or overall cost where available, the EMI, tenure, processing fee, and prepayment conditions. For a credit card, check the purchase terms, interest-free period rules, and charges.
Compare the actual offers available to you and choose an option with a clear, realistic repayment plan. If you are unsure, avoid borrowing until you understand the costs.