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> we have an vending machine where you can pay with a credit card > I have no real world use for this kind of card Seems to me that he does.
by arkanciscan 7y ago
> we have an vending machine where you can pay with a credit card
> I have no real world use for this kind of card
Seems to me that he does.
- oltdaniel 7y agoFair enough. But I don't pay 2€ per month for a credit card from my local bank to buy stuff from a vending machine. The overall point is, that I have not enough use cases to make resonable use of it in the real world over my current free debit card.
- webstrand 7y agoIn the US, many, if not most, credit cards don't charge a monthly fee. Is it different in the EU?
- Scarblac 7y agoIn the Netherlands with my bank at least, yes there is a fee. There is also a fee for having a bank account with its included debit card, but you can't do without. Credit cards are of very limited use.
- deleted 7y ago[deleted]
- oltdaniel 7y agoI have not many experiences as I am 19 and haven't switche banks, but my current bank requires a fee. See https://www.lzo.com/de/home/privatkunden/kreditkarte.html https://www.lzo.com/de/home/privatkunden/kreditkarte.html
- adrianN 7y agoINGDiba and Comdirect both offer free credit cards. Probably many more banks do as well.
- 4ad 7y agoDoesn't seem to be the case for ING: https://www.ing.nl/particulier/betalen/creditcards/index.html https://www.ing.nl/particulier/betalen/creditcards/index.htm... Comdirect does, but he is in the Netherlands.
- djmobley 7y agoAre there really no free credit cards available in your country? In many countries paying with a credit card gives you greater legal and fraud protection. Also helps build your credit rating.
- Scarblac 7y agoIf anything having a credit card works against your credit - you could decide to take on debt at any moment, so they assume you already have that debt, and have less capacity to take on more.
- Legogris 7y agoI'm curious if there's anywhere else outside the US where "building your credit rating" by accumulating debt history from e.g. credit cards is a thing and makes a difference. I haven't heard it mentioned as a US-specific thing, but I've also only ever heard Americans talk about it.
- djmobley 7y agoIn the UK it is absolutely a thing. Why would it not be a thing?
- pwinnski 7y agoThe cost of rigorous consumer protections is sometimes monetary. I have this discussion with European friends regularly: No, I don't automatically get a three-year warranty on everything I buy. I don't even want such a thing, sometimes. And in return I pay much less for everyday items.
- quietbritishjim 7y agoThe parent comment and the one it's relying to are about keeping a credit card to build credit history. I don't see what your comment has to do with that. Am I missing something? Did you think they were still talking about paying a fee for credit cards? Typically in the UK there's no fees for credit cards, the cost is just in the interest if you don't pay it off in time. In fact there are usually less fees for financial services in European countries e.g. checking accounts and ATMs usually don't have fees. (I mean there isn't usually a fee just for having a checking account, but there are of course fees for doing certain things with it such as a CHAPS transfer.)
- NikolaeVarius 7y agoIn the same vein, I have no reason to use my debit card which is directly connected to "my money" than to use a credit card which is "not my money".