Personal Loan - work kinda like car loan. Let say 12% per year, your installment last for 5 years. Total interest is 60%. They calculate the interest upfront, only certain bank calculate with reducing interest.

Credit Card - Interest is calculate under reducing interest. That why, if you could afford to pay minimum payment, it's advisable to pay to CC rather than apply personal loan.

Take in mind, if you convert your debt to personal loan, usually CTOS will have the info. In future, hard to apply loan or card.