Which is more cost-effective to send a phone card or a bank card with a packaged loan in Chaoshan?

1, the loan interest rate is higher and the handling fee is higher, so it is more cost-effective to package the loan and send it to the phone card, because this way does not need to pay high handling fee and interest.

2, the loan interest rate is low and the handling fee is low, so it is more cost-effective to package the loan and send it to the bank card, because this way can directly deduct money from the bank card, which is convenient and fast.