Struggling to decide between a personal loan and a credit card? This blog breaks down both options, helping you understand when to choose a lump-sum, fixed-rate personal loan versus a revolving credit card. We cover key factors such as interest rates, repayment structure, flexibility, and rewards, so you can align your choice with your financial needs—whether it's for debt consolidation or day-to-day expenses. Get clear insights and make an informed decision that fits your budget and long-term goals. Read on to find the smarter borrowing option for you.