Credit card is more difficult to keep track of your finances. You don't notice your balance changing until the end of the month. Further, you're doing things on

Credit card is more difficult to keep track of your finances. You don't notice your balance changing until the end of the month. Further, you're doing things on credit, where most Dutch mentality is to save, then spend. The insurance policy is there because of a lack of security. Plus you pay it back anyways. E.g. if you pay with your credit card abroad they make money on the currency conversion plus they charge the merchant significantly more. Hidden costs that you don't notice. The bank cards / Meastro system is way cheaper. If you stay within the EU you can just pay with your bank/debit card. Only if you travel outside of the EU you'd really need a credit card. Not too many people need that, so someone having a credit card is not that common (though IIRC Rabobank automatically gives you one). Plus the whole confusing difference between credit card and the bank cards. I'd highly prefer things to go out of my bank account immediately. My bank card doesn't have the credit card number and isn't accepted. I'd wish my bank provided a better (integrated) overview.