With a credit card you can pay and withdraw money anywhere in the world. Most shops, garages, restaurants and payment machines offer this possibility. A credit card is therefore almost indispensable when you go on vacation. Nowadays you can pay almost anywhere on the internet with this card.
Request a card.
When you are going to purchase a credit card, it is wise to first look around which credit card providers are available. The interest rates are usually different and it is therefore advisable to find out which credit company you need to pay the least in interest. A credit card often costs a small amount per year, this amount is usually between 20 and 75 euros per year. Some providers give a discount on a card when you purchase a card for several years.
There are different types of credit cards on the market. The three most famous are Mastercard, Visa and American Express. In the digital age we live in, you can easily request such a card online from regular banks or other lenders. You will have to provide a number of details, including information about the wages you receive and your personal situation.
Before you apply for a credit card, it is advisable to check in advance which providers are available and what the conditions are. Often there are small print in the conditions that you knew nothing about, this can sometimes have nasty consequences for you.
How do I request a card?
You can often download a form from the website of the relevant credit company with which you can request a credit card. You can print this form, complete it and send it back to the relevant credit card company. Do not forget to put your signature at the bottom of the forms, otherwise the application is not valid.
If you lose a purchase that you have made with a credit card, if it is stolen or damaged, you are insured for this for up to six months. A maximum amount applies here. In the event of a theft, you must have reported it to the police and report the process to the credit card provider. In the case of damage, you must first try to reclaim the amount through the household contents or travel insurance. If this fails, the provider will reimburse you, if you are in possession of the original purchase receipt. Any loss, theft or damage must be reported within a reasonable period of time.