Request information about the credit card
Apply for a credit card online
Are you thinking about applying for a credit card, but you are not sure how to find your way around it? On this page we offer all information about the Credit Card, how to apply for a credit card and the different types of Visa and Mastercards and how to use them.
The Credit Card is the ideal payment method for consumers who want to have the ease of payment at hand. The Visa card can be compared to a payday loan, you now own an amount and pay it back later. So you actually take out a loan on a debit card which will be repaid afterwards.
Request credit card
Apply for a Visa Greencard
The best known credit card is from Visa and is an accepted payment method worldwide. They now have the Visa Greencard. With the use of this credit card you are not only assured of safe and secure payment, you also contribute to a better environment. It is not the case that you are going to pay extra for this now, with the Visa Greencard you will continue to use the Creditcard advantageously at all times.
All the benefits of the Visa Greencard Credit card at a glance
- Secure payment everywhere: security guarantee and cancellation of paid amount (Free purchases insured for 180 days)
- Contributing to a better world
- Flexible repayment
- Service & Extra benefits
- Only € 25 per year
- Within a week and a half at home
- Worldwide most accepted payment card.
- 24/7 fraud prevention.
- Internet guarantee *: you get your money back if it appears that your credit card has been committed fraud
- Delivery guarantee *: if your order is not delivered, you do not have to pay anything.
- Pay monthly in arrears = payday loan
- Possibility of staggered repayment with credit card request.
- Determine your monthly amount yourself.
- Discounts on vacations and others.
What is a credit card?
As said, the Credit Card is nothing more than a debit card that allows you to make purchases that you pay back to the credit company afterwards. As with any other loan, the amount of your spending limit on the payment card depends on your creditworthiness. Your income, personal situation, other costs / loans and a major role play a role in this.
Big advantages, and with that also the popularity is a part of, is that the credit card can be used everywhere. You can use this to pay in restaurants, shops, supermarkets, hotels and virtually anywhere on the internet / websites. This makes the Credit Card of course a very useful payment method because you no longer have to carry any contact money with you.
The credit card is nowadays also accepted worldwide. That is why people nowadays prefer this method of payment when they go on holiday. Just as with a debit card, a pin code is required to use the credit card.
Even students can apply for a credit card.
Credit card and ATMs
Another big advantage of the credit card is that you can also make contact with money and cash machines. Also this is possible if the global money / ATM bearing the Visa or MasterCard logo. In this case you can assume that you can safely withdraw money from your spending room at home and abroad.
The latter is an important part to pay attention to when you decide to take a credit card. It is advisable to always take out a subscription with a company that is known. In addition, the conditions are very important when taking out a credit card.
Above you will find an overview of all Visa credit cards. These are the most reliable, affordable and environmentally friendly credit cards of the moment!
Paying costs abroad
If you pay abroad with a bank card, there are always costs involved. Read the article: Costs for payments abroad.
What is the difference between VISA and MasterCard?
In fact, there is little difference between VISA and MasterCard. Both are used universally. The only difference lies in specific product characteristics such as: annual costs, product conditions and APR. The difference is not determined by VISA or MasterCard itself but by the individual banks where the card is purchased.
How long does it take to apply for a credit card?
In general, a credit card application by mail can take 2 weeks. Don’t be afraid, you will always receive a message even if you are not accepted. If you visit an office yourself, the procedure can be speeded up a lot but neither will new customers have to wait at least a week for an answer.
When do people pay interest?
If you succeed in completing all your bills nicely at the end of the month, no interest has to be paid at all. However, if you want to pay back in parts, interest will be charged on the outstanding amount. So easy.
Attention! It is not possible to deposit money on every credit card. You can check this with your bank!
Do you not want to pay interest or go into debt? Then choose a PREPAID MASTERCARD, without BKR testing.
Switch to another Bank!
Do you want to request another credit card from another bank? In principle, VISA and MasterCard are independent payment methods. This is something that many people do not know. So suppose you have a VISA card from ING but you change Bank. Then it is not necessary to have your VISA card canceled and to choose a new one from another bank. So you can simply transfer it to another banking institution. You do have to accept the terms and conditions of the new bank.
This does not apply to specific bank credit cards in name. They are always bank-linked, such as the Deutsche Bank credit card.
At a number of banks such as HEW, it is easy to quickly and easily track your VISA balance under HEW PC banking. That does not apply to all airlines. Inform yourself if this is important.
Apply for PREPAID Mastercard
Would you like to enjoy the endless payment options of Mastercard but would you rather not go in the red? Then a PREPAID Mastercard is definitely for you. Instead of going into the red and the credit is debited from a current account, you first deposit money on the Mastercard which you can then withdraw. Since you do not apply for credit, it is therefore not necessary for a BKR test to take place because you do not borrow money. Just like with a regular Mastercard, you can pay anywhere that accepts Mastercard.
An additional travel insurance policy is also included with the application for this PrePaid Mastercard.
Pros and cons of applying for a credit card
There is also a disadvantage to every benefit, and that is no different for credit cards.
- Fast cash everywhere and whenever you need it.
- No ATM / homebank needed to make payments.
- Low cost loan when the wage money arrives quickly.
- Protection against purchases.
- Paying with credit card yields discounts.
- Clear annual statements.
- Overuse of a credit card often leads to problems and people usually realize it too late. So check your payments regularly so that you do not exceed your maximum limit. The bill will also come later.
- When there is not enough money in the current account to pay off the loan or costs, the interest rates run high. Make sure you can always pay your bills.
- Various banks offer credit cards for the first year free of charge. We call this teaser advertising.
Cancel credit card
You can cancel your credit card by cutting it in half and by sending a registered letter to inform the credit provider of the cancellation. If in doubt, contact the financial institution.