Personal Finance Personal loan or credit card loan: Which is the right choice to meet your financial shortfall? Updated : August 12, 2019 08:51 PM IST Compare the processing fee charged by your existing credit card issuer with that of personal loans offered by various lenders before taking the final call. Loan against credit card will adversely impact your ability to spend through that card and thereby, your ability to deal with financial exigencies in future. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.