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.
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.