Here are the following credit cards you can buy.
local bank card = 75% interest , costs 500 zeni
goku's bank = 50 % interest , costs 2500 zeni
DBZ american express = 30 % interest , costs 6000 zeni
DBZ master card = 20 % interest , costs 8000 zeni
DBZ VISA card = 10 % interest , costs 10 000 zeni
if you dont pay off the debt in a range of a week, your credit card will be declined and you will lose it and the interest doubles for what you didnt pay.
example: i borrowed 10 000 zeni from the bank and i have a DBZ VISA card, i will owe 11 000 zeni, if i dont pay that in a week, i lose the visa card and i owe the double interest (12 000 zeni)
the bank might let you a chance if you dont pay off the debt in a week by giving you another offer or deal.