A credit card is a good choice when you need cash for some small expanses and are able to quickly repay the borrowed sum as then you won’t have to pay the interest.
A personal loan is a loan with a fixed interest and repayment term as well as fixed monthly payments specified in advance.
Personal loan vs credit card : they are both forms of unsecured loan which does not require any collaterals acting as a guarantee for the lender when the borrower in unable to repay the loan.
A credit card is good for small expenses when you don’t have the cash we need. When it comes to larger expenses, it is better to get a personal loan which will allow you, for example, to buy a car.