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oltdaniel | 5 years ago

Fair 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.

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djmobley|5 years ago

Are 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.

Legogris|5 years ago

I'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.

Scarblac|5 years ago

If 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.

NikolaeVarius|5 years ago

In 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".

webstrand|5 years ago

In the US, many, if not most, credit cards don't charge a monthly fee. Is it different in the EU?

Scarblac|5 years ago

In 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.