Request a credit card or buy a prepaid
Request credit card
A credit card is often part of a bank package or it is an option. The allocation is a matter of how much income comes into the payment account every month. Nowadays this is a relatively low amount. A credit card issued by ING or RABO is linked to the corresponding payment account.
The most famous credit card is from VISA. With the VISA Classic Card you can go to 200 countries and withdraw money from 2 million ATMs. Visa is the most accepted credit card in the world.
Another important advantage is that the VISA cards are independent of your bank. If you would switch to a different bank, the card will simply be linked to the new bank account. The ICS App gives you constant insight into the balance and the transactions made. Because people can pay in installments, the credit card is a good alternative to a revolving credit. Although the interest is higher, with the VISA Card you can pay almost anywhere in the world.
Higher limits & extra services
VISA has a number of credit cards with higher spending limits and extra services. For example, the Gold Card has luggage and travel insurance and the Platinum Card can include various insurance policies for rental cars, cancellation and legal assistance. Business costs and private expenses are separated with the Business Card.
Buy Prepaid Credit Card
The prepaid credit card is an alternative to the standard card. Just as with a mobile, the customer deposits an amount in advance on the card and can then withdraw it. Prepaid cards can be purchased online or at Border Exchange Offices at stations. To buy a card, only an identity card is needed. The creditworthiness is not tested nor is it requested. The card is made immediately while you are waiting at the counter.
Prepaid card advantages & disadvantages
A prepaid credit card has a number of advantages and disadvantages. An important advantage is that the fixed credit card does not have to be used. In the event of misuse, only the money that you have put on the card can be collected. Outside of Europe and in America, a credit card is indispensable if you want to book a hotel or reserve a car and plane tickets. A disadvantage of the card is the high costs that are charged when you withdraw, pay or charge the card. Even if you do not use the prepaid card, you still have to pay for it (an amount per month). The costs charged by the prepaid card are significantly higher than with a standard card. No overview is sent of what has been spent.