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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

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.

webstrand 6y ago
In the US, many, if not most, credit cards don't charge a monthly fee. Is it different in the EU?
- deleted 6y ago
  [deleted]
- oltdaniel 6y ago
  I 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 6y ago
    INGDiba and Comdirect both offer free credit cards. Probably many more banks do as well.
    - 4ad 6y ago
      Doesn'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.
- Scarblac 6y 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.
djmobley 6y 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 6y 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.
  - djmobley 6y ago
    In the UK it is absolutely a thing. Why would it not be a thing?
    - pwinnski 6y ago
      The 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 6y ago
        The 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.)
    - 6y ago
NikolaeVarius 6y 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 6y ago

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

deleted 6y ago
[deleted]
oltdaniel 6y ago
I 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 6y ago
  INGDiba and Comdirect both offer free credit cards. Probably many more banks do as well.
  - 4ad 6y ago
    Doesn'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.
Scarblac 6y 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.

djmobley 6y 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 6y 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.
- djmobley 6y ago
  In the UK it is absolutely a thing. Why would it not be a thing?
  - pwinnski 6y ago
    The 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 6y ago
      The 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.)
  - 6y ago

NikolaeVarius 6y 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".