Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Avalanche emphasizes cost efficiency
Highest rate first.
Snowball emphasizes momentum
Smallest balance first.
Keep all required payments current
Do not create new delinquencies.
Choose the method you can sustain
Execution matters.
Official reference
Taiwan Banking Bureau — consumer debt resources ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.