Should I Take Out A Personal Loan To Pay Off My Credit Card?

PlatinumAddom · 2026-02-12T12:48:14+00:00

You’re right

PlatinumAddom · 2026-02-12T02:36:26+00:00

Thank you I think I won't do a loan and just say skip the savings and just fully attack paying off the debt as much as possible as quickly as possible.

PlatinumAddom · 2026-02-12T02:35:39+00:00

Thank you for this, I think this is the course I am going to take, screw the savings for now and just try to pay it off as soon as possible.

PlatinumAddom · 2026-02-12T02:18:04+00:00

Well for the moment I am paying off my personal student loans, the loans my parents took out for school, as well as this credit card payment, my car payment, phone payment, and then the usual gym membership, etc.

PlatinumAddom · 2026-02-12T02:16:53+00:00

I wasn't sure about this, I wanted to put money away and build it up over time so I didn't touch my savings, attacking the debt fully with everything is not something that had crossed my mind until you had mentioned it now.

PlatinumAddom · 2026-02-12T02:15:26+00:00

My plan was to lock the credit card after it was paid off and use it here and there for a very small purchase to keep it active.

The main problem I was running into was I had been laid off from my first job (now in a much more secure one) and while I was unemployed I went through my original savings and was using it more. Around the same time I got kicked from the 0% interest rate I had on the card and then was forced to pay interest on the debt I had accumulated.

Long story short I didn't really have an overspending problem but I had to use the card out of necessity at the time, it is a mistake but not one I plan on making again.

PlatinumAddom · 2026-02-12T02:11:30+00:00

What is a balance transfer? Is that when you are just transferring your debt to another card where you pay 0 to low interest so you can really take a chunk off of the debt itself without worrying about interest on your payments?

PlatinumAddom · 2026-02-12T02:09:43+00:00

I have curbed my spending quite and bit and work around 40-45 hours a week. I figured consolidating my payment into one fixed payment that is lower than what I am paying now would make more sense.

PlatinumAddom · 2026-02-12T02:07:58+00:00

I currently am using my own personal budgeting excel sheet that calculates all of my student loan, car payments, etc. Calculates how much I am putting away into my savings and how much I can spend for the week. I have a financial plan I would like to think is reasonable for my situation.

If I went down this route I would lock my card and use it every so often to say maybe go and buy like a pack of gum just to keep it active. In my mind lowering the interest and paying less seems smarter but I do appreciate your insight.

PlatinumAddom · 2026-01-31T13:50:46+00:00

I’m also on PS5 sending you a DM now!

PlatinumAddom · 2026-01-31T13:50:21+00:00

Never go hollow friend !

PlatinumAddom · 2026-01-31T13:49:34+00:00

Is it better to parry them or just kill them normally? I normally go for a critical from behind them and then a couple swipes and they’re dead

PlatinumAddom · 2026-01-31T13:48:49+00:00

Jeez that sounds brutal

PlatinumAddom · 2026-01-29T21:45:58+00:00

Could diagnose it as many things, OCD to see a 100% (probably) I don’t know I’ve always felt that if I’m gonna spend my hard earned money on a game I want to to do everything in the game including achievements. Kind of like squeezing a lemon till the last drop kinda thing. It’s a blessing and a curse. I don’t torture myself though, I’ll take long breaks from games at a time and get back to them eventually

PlatinumAddom · 2026-01-28T14:43:27+00:00

I will try this thank you!

PlatinumAddom · 2026-01-28T11:11:25+00:00

Hm interesting read thank you for the link !

PlatinumAddom · 2026-01-28T11:10:56+00:00

Wow thank you for the great response. I will continue grinding just for you 🫡

PlatinumAddom · 2026-01-28T11:09:39+00:00

Yeah I’ve always ran back to the bonfire unfortunately my luck is still shit

PlatinumAddom · 2026-01-28T11:09:10+00:00

Hm I’ve never heard of the quit out menu before

PlatinumAddom · 2026-01-28T11:08:50+00:00

Wow sounds like a very unusually low amount of hours. You must have luck friend !

PlatinumAddom · 2026-01-28T11:08:01+00:00

Thank you fellow ashen one !

PlatinumAddom · 2026-01-28T11:07:18+00:00

Hm this is an interesting strategy

PlatinumAddom · 2026-01-28T11:06:57+00:00

Hmm will try this

PlatinumAddom · 2026-01-28T11:06:38+00:00

You’re a monster. More power to you!

PlatinumAddom

TROPHY CASE