Sounds like you’re having cataract surgery, and have opted for the more “sophisticated” form of lenses. You might want to reconsider that decision. Or opt for a fully paid for use of one lens for distance and one for reading. Not everyone thinks the costly lens was worth it!
So while I’m not a doctor, I’m listening to my friends. Get a second opinion.
Re credit card or personal loan — that depends on the rate charged by the card issuer. Find one that has a low rate at www.CreditCards.com. Check out personal loan rates at www.SoFI.com.