Applying for a credit card, who, what, where?

A credit card is a convenient means of payment at home and abroad. It is a relatively old means of payment that still serves many people worldwide. In the past, credit cards were mainly for rich people, but nowadays almost anyone can apply for a credit card. This is all preceded by a BKR assessment. How does that work and what are the conditions for applying for a credit card? The credit card is suitable for paying at home and abroad, but it is also extra useful to be able to pay on the internet. On many websites where you can pay for something online, you are often asked to use a credit card. If you don’t have a credit card, you simply can’t pay. That is partly why many people are switching to applying for a credit card. There are even more advantages to this payment method. The credit card can be used almost anywhere in the world and you have some credit with the debit card. In some cases this can be more convenient than borrowing money.

Where can I apply for a credit card?

Where can you apply for a credit card? Many new types of payment cards have been added over time. Every bank now offers such payment cards. Credit cards have a withdrawal limit that ranges from a maximum of $1,000 to $5,000 or higher, depending on your income. You can apply for different credit cards, for example at:

  • ABN Amro
  • ING
  • Rabobank
  • SNS bank
  • Other

You can already apply for a card if your income is high enough. The better your income, the greater the maximum withdrawal option of your payment card. If you want a large limit for your spending, you can, for example, opt for a Gold Card.

VISA or Mastercard, what is the difference?

There are not many differences between VISA and Mastercard. You can pay with both cards in most countries worldwide. However, the Mastercard came onto the market a little later than the VISA. VISA is therefore slightly less known worldwide.

How long does it take to apply?

To apply for a credit card, it takes on average about 14 days before you actually have the card in your possession. The application must be processed and approved. The card must be created and activated. Applying online is often the fastest.

Negative BKR listing, what now? Apply for a credit card with a negative BKR listing.

If you have a negative BKR listing, a credit card application will in principle be refused. A BKR assessment is carried out for every application. Once payment arrears have been cleared and the BKR listing has been reversed, you may be eligible to obtain a card again.

Pay rent?

If you use this payment method, you will be granted a deferral of payment on the balance used until the end of the month. If you pay the bill on time, you will not pay any interest. If you choose to repay in installments, you will pay interest on the outstanding balance.

Bank account, which bank account is my card linked to?

If you take out a credit card from a bank, the card may be automatically linked to a bank account at your bank. If you prefer a card that you can link to any account, choose a bank-independent card, for example Visa or American Expres.

What does it cost?

A credit card is available from a few tens of euros to more than 50 euros in purchase. The amount you pay returns annually. There are special rates for students. The spending limit is usually between 1000 and 2500. or 5000,- The higher your income, the more spending options you have.

Benefits of a credit card

The biggest advantages of this payment method are:

  • That you can pay by card or withdraw money anytime and anywhere, at home and abroad.
  • You can also easily pay online
  • If necessary, you have some extra money at your disposal in the form of the maximum spendable limit
  • Payments are only debited at the end of the month

Credit card with chip

Credit cards with chip and PIN code are the safest. More and more providers are therefore switching to the use of a chip.

read more

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