Here you will find the right answers
The moneyland.ch forum lets you exchange knowledge on numerous topics related to money and get answers to your questions at any time. Join forum users and experts in discussions relating to banking, investment, insurance, retirement, telecom and everyday money topics.
Show categories
I have serious debts. Is there any way I can use a credit card to pay my debts. Does it make sense? What would it cost?
Although it is possible to use a credit card to get money for debt repayments, doing so is not a smart financial move.
A credit card may seem to be a convenient and discreet way to access money fast and getting a cash advance to avoid defaulting on a debt repayment can be tempting. However, Swiss credit cards generally have high interest rates so you may end up paying much more to carry credit card debt than you would pay to service your loan.
Refinancing your loan with another personal loan that has a lower interest rate is a better option, and can pay off in some cases. You can use the loan refinancing calculator to check whether or not you could save money by refinancing your loan.
Find out more in our guide to refinancing loans.
More on this topic:
Personal loan comparison
Refinacing: How to replace a loan
Loan refinancing calculator
Credit card comparison
Low-Cost Bank Accounts & Debit Cards
Low-Cost Bank Accounts & Debit Cards
Bank WIR Bankpaket Top
Best exchange rate: pay worldwide at the interbank rate
24 free ATM withdrawals worldwide per year
Free account & card
Yuh
No account fees
Banking partner: Swissquote
CHF 20 trading credit with code «YUHMONEYLAND»
PostFinance
For startups
2 year's free account management
Free credit card in the first year
UBS key4
50 KeyClub points as a welcome gift
Online private account with debit card
Deal of the Day 
Swiss Bank
Bank WIR Bankpaket Top
Best exchange rate: pay worldwide at the interbank rate
protected by
