Have u heard about reducing balance interest and flat rate?cc is on reducing balance.rule of thumbs is for example if reducing balance interest is 10% then flat rate interest rate is roughly 5%,but of course this is just rule of thumb,the exact value is a function of the tenure.

please stop deceiving people,personal loan interest is calculated on flat rate basis while credit card is on reducing balance basis.rule of thumb,
reducing balance interest=2 x flat rate interest .So in this sense,it is almost the same interest being paid

I suggest a balance transfer if you intend to settle it within 1 year,max 2 years.You can get low interest or no interest for some bank for a certain period.