{"id":5441,"date":"2019-03-25T08:14:00","date_gmt":"2019-03-25T08:14:00","guid":{"rendered":"\/blog\/?p=5441"},"modified":"2023-06-20T11:38:09","modified_gmt":"2023-06-20T11:38:09","slug":"shopped-extravagantly-with-credit-cards-personal-loans-can-help-you","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/personal-use-loan\/shopped-extravagantly-with-credit-cards-personal-loans-can-help-you\/","title":{"rendered":"Shopped Extravagantly with Credit Cards? Personal Loans can Help You"},"content":{"rendered":"\n<p>Women with credit cards and unstoppable shopping habits are known to be shocked with credit card bills. But jokes apart, if one spends much more (on credit cards) than what one can repay, then interest charges can become very high.<\/p>\n\n\n\n<p>To\navoid paying interest, one has to clear off all the card dues before the\ninterest-free period. If not, the rates applicable are at times more than 40%!!\nTrue that these rates are exorbitant. But that is no excuse for not being\ncareful about handling credit card outstandings.<\/p>\n\n\n\n<p>If\nyou find it tough to manage huge credit card dues, then there is a simple and\nsmart solution. You can simply take a personal loan to clear off all your\ncredit card dues in one go.<\/p>\n\n\n\n<p>You\nmight ask as to why it makes sense. Its fairly simple.<\/p>\n\n\n\n<p><a href=\"https:\/\/tata-blog.osian.dev\/personal-loan\/rates-and-charges.html\" target=\"_blank\" rel=\"noreferrer noopener\">Interest rates on personal loans<\/a> are much lower than that on credit card outstandings. At one end credit cards can charge 40% plus whereas on other end, personal loans are available from 15 to 20%.<\/p>\n\n\n\n<p>Another\nbenefit is that if you have multiple cards, you can simply all the hassles of\nmultiple repayments by taking one personal loan to repay outstandings on all\nyour cards. It will make your financial life simple. That\u2019s not all. You also\nhave just one simple clear repayment schedule where you know exactly how much\nEMI you have to pay and when. No need to wait and be shocked by multiple credit\ncard bills.<\/p>\n\n\n\n<p>Another benefit that many people don\u2019t know about is that clearing off high-interest loans (credit card dues) can help you <a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/how-to-improve-your-credit-score-in-30-days-or-less\/\" target=\"_blank\" rel=\"noreferrer noopener\">improve your credit score<\/a>. <\/p>\n\n\n\n<p>All in all, taking a <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan.html\" title=\"Tata Capital Personal Loan\">personal loan<\/a> to consolidate and clear off all high-interest card dues makes a lot of sense. So think about it and if you find yourself in a situation of unmanageable card debt, consider taking a personal loan.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background\" href=\"https:\/\/tata-blog.osian.dev\/online\/loans\/personal-loans\/apply-now-personal-loan#!\">Apply Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Woman with credit cards and unstoppable shopping habits are known to be shocked with credit card bills.<\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/shopped-extravagantly-with-credit-cards-personal-loans-can-help-you\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":5442,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-5441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-use-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Shopped Extravagantly with Credit Cards? Personal Loans can Help You - TATA Capital Blog<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Shopped Extravagantly with Credit Cards? Personal Loans can Help You - TATA Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Woman with credit cards and unstoppable shopping habits are known to be shocked with credit card bills. Read More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/shopped-extravagantly-with-credit-cards-personal-loans-can-help-you\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-25T08:14:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-20T11:38:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/01\/shopped-extravagantly-with-credit-cards.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"348\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/shopped-extravagantly-with-credit-cards-personal-loans-can-help-you\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/shopped-extravagantly-with-credit-cards-personal-loans-can-help-you\/\",\"name\":\"Shopped Extravagantly with Credit Cards? 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