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It's hard to be more specific because we don't know what a personal loan would cost. That's going to improve cash flow for the interest free period, but it's not going to improve serviceability. Lenders will still use the card limit even if it is interest free.

To expand slightly on Jamie's comment, if the personal loan of $5k will cost less than $150 per month, the personal loan is going to be cheaper than the $5k credit card.