💳 Credit Card Debt vs EMI vs Personal Loan — What’s Smarter? This article highlights a crucial money lesson many people miss. Converting credit card dues into EMIs may look easy, but it often comes with very high interest (up to 30–40% annually) plus charges. 📌 Key takeaways: ✔️ Credit card EMIs are usually costlier than personal loans ✔️ Personal loans often carry lower interest (around 12–13%) ✔️ Always try to clear credit card bills in full to avoid heavy interest ✔️ For education loans, mo