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.