Credit card or personal loan? Which is better for me?

Greetings friends!

I am thinking to own a credit card but it may force me to buy more things which I really don't want to buy. On the other hand it gives me interest free period for paying my dues. Personal loan is also an option but it is not suited for long term loans and also not fit for big investment. However, it provides a chance for us to stay within my limit. So, what should I do?

Credit card or personal loan? Which is better for me?

• Credit card.

• Personal loan.

• Something else???

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