Experts recommend a credit card for short-term debt. On the other hand, a personal loan proves more suitable for longer repayment tenures. Depending on your requirement, go for a home loan when you are ready to buy a house. A personal loan proves useful when you require extra cash. Personal loans and Credit Cards are unsecured forms of credit, while you mortgage your house when you avail a home loan. Depending on your need, check your loan value, loan tenure, interest rate, processing fees, and hidden charges offers before you decide on a Personal Loan, a Home Loan, or a Credit Card.