Bankers make money from loans through the interest you pay on such a loan. All debt, including credit card debt, includes interest charges. Typically, the most expensive loans are credit cards, personal loans, car loans and mortgages (in this order). Borrowing may seem achievable at first, helping you acquire things sooner than later, but pay attention for you might end up paying much more for things than you intended because of interest. Use our ĠEMMA My Debt Affordability Calculator to see the level of debt which you can afford at any point in time.