Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Monthly payment and total cost are different metrics
Do not choose only the lowest monthly payment.
Cash-flow safety matters
An overly short term can also be unsustainable.
Avoid turning short-lived consumption into long debt
Debt can outlast the thing purchased.
Review prepayment terms
Especially if you plan to repay early.
Official reference
Taiwan Banking Bureau — APR / total cost examples ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.