I want to get a nose surgery, but it costs 400 in cash and 440 in credit card.
 
Currently, I have about 200, and the problem is what to do with the remaining 200.
 
1. Get 200 as an emergency loan (Kaban, Woori, etc.) and use cash
 - the interest rate is in the 4-8% range, so 16,17 It's about 10,000 won, so if you pay it off early, you
 can pay the interest - but they said your credit rating may go down a bit. But they say that if you pay off a light emergency loan early, there's little damage
  (there's no chance of being delinquent because the money will come in a few months later)
 2 . Credit card installment (interest-free for 5 months)
 - Even if it is interest-free, the standard card is 240, so the amount out is much larger than taking out a loan
 - But what should I do since I don't have to worry about credit or other problems
 
?