Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
The new loan replaces old balances
Debt does not disappear.
Lower payments can simply mean a longer term
Compare total interest.
Include all fees
Setup and prepayment costs matter.
Avoid re-borrowing after freeing limits
Otherwise total debt can rise.
Official reference
Taiwan Banking Bureau — APR / total cost examples ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.