Depends

There are ways to rotate credit on Ur credit card for zero interest and without any fee

So if looking to cash out 50k, that's easily doable if you have sufficient limit on Ur credit card

Been doing it for decades, and definitely zero interest and fee. Exception, certain transactions I pay a very very small fee which is 0.1% only. Not 1% but 0.1%

I guess depends on the borrower, to some the 0% is the decision factor cos savings of interest and lawyer fee is a lot

On the other hand, if borrower wishes to apply other loans as well, then maybe difficult cos c.card outstanding would show on ccris, unless salary way above what's owed monthly, then dsr shld be still manageable