Convert all your credit card dues, EMIs, and overdues into one affordable personal loan at just 12% interest with ADVANCECRED FINTECH SOLUTIONS PVT LTD. Save 60% on interest payments. Same-day approval for salaried professionals.
See why consolidating credit card debt makes financial sense
| Feature | Credit Cards (Current) | Personal Loan (ADVANCECRED) |
|---|---|---|
| Interest Rate | 36-42% p.a. | 12% p.a. |
| Monthly Interest on ₹3 Lakh | ₹9,000-₹10,500 | ₹3,000 |
| Annual Interest Paid | ₹1,08,000-₹1,26,000 | ₹36,000 Save ₹72K-90K |
| Late Payment Penalty | ₹500-₹1,500/card | Nominal (₹500 max) |
| Repayment Tenure | Revolving (never-ending if paying minimum) | Fixed (12-60 months) |
| Impact on Credit Score | Negative (high utilization) | Positive (improves score) |
| Stress Level | 😰 Very High | 😊 Manageable |
ADVANCECRED Pvt Ltd provides complete solution
Have 3-5 credit cards with total outstanding of ₹2-10 Lakhs? Consolidate all into one personal loan and save 60% on interest. Close all cards or reduce limits after consolidation.
If you're paying just 5% minimum amount monthly, you'll never clear your debt! On ₹2 Lakh outstanding, you'll pay ₹4+ Lakhs in interest over 10+ years. Break this cycle now.
Converted purchases to EMIs on your card? Those "easy EMIs" charge 18-24% interest! For a ₹50K purchase, you pay ₹10K+ extra. Very expensive compared to personal loan.
Missed credit card payments? Late fees of ₹1,500 per card + interest on interest + credit score damage. Banks may send legal notice. Act before it's too late.
Withdrawing cash from credit card? Worst financial decision! 2.5% cash advance fee + 42% annual interest + no interest-free period. ₹50K cash costs ₹22K+ interest annually.
Using 80-100% of credit card limit? Credit score drops by 100-150 points! Affects future loans, job applications, and financial opportunities. Recover your score fast.
How ADVANCECRED Pvt Ltd helped save ₹4.2 Lakhs in interest
"I was trapped in credit card debt for 4 years, paying only minimum amounts. ADVANCECRED Pvt Ltd gave me a clear path to freedom. Within 3 years, I was completely debt-free and saved over ₹6 Lakhs. Best financial decision of my life!"
Convert to 12% personal loan from ADVANCECRED Pvt Ltd and save ₹50,000-₹3,00,000 in interest.