<prompt> Human: From the same bank I have a personal loan and a credit card both with 13.9 apr. I owe about 2k on each. I have 1500-2000 bucks to pay one of them this week. Which would be better? I assumed the credit card to get my utilization back down low.  <response>: Spend it on the loan. Youll be tempted to use the credit card after you pay it down, but loans dont usually revolve. 