Upvote:4
To make the long story short you cannot afford the suggested vacation and loan doesn't change it.
Before card transfer, you had about 2k GBP in your account altogether, and cost of your trip is 3k while you earn 1,2k a month before paying taxes, rent, food, utilities etc. That means you plan to spend 3 full months worth of salary just to come and sightsee the UK for 2 weeks. That alone already is going to raise all sort of bells.
But to make the matters worse you didn't even save up 3k, instead it looks like sizeable part of your trip comes from credit, and generally speaking, credit comes with interest. So the 3k trip, that already was a financial stretch, now also will cost you interest payments on the balance when you come back. Most people who travel don't do that, and you will have to have one hell of an explanation for the ECO to explain why are the 2 weeks in the UK so important to you.