• Real Creditcard or free monthly overdraft

@JohnDo#145373 Me too. 😊
I have to agree with Steffan on one point though, for rental cars and the associated required deposits, everything but a real credit card can be a pain.
I also understand why bunq might choose not to offer that (and just ordered the ebook).

My solution is to keep my other bank account which I had for almost 25 years now, which has a (credit) Master Card.
It’s good to have (multiple) backups, I guess. 😊

    a month later

    Hi. Has anyone else some thoughts here ?

      I would really like the idea of having a ‘real’ credit card. I don’t have many issues with the current MasterCards, but I do find that whenever I want to rent a car or book a hotel I grab my actual (non-bunq) credit card. This is because with the bunq card any reservations are actually taken from your account and returned later. In many cases hotels can take weeks to repay this money.

        @R#151189 That’s not true, it doesn’t take weeks for reimbursing the money. If the merchant doesn’t release it, Bunq releases the preauthorization after a couple of days and reimburse the money. I can confirm it from my travel in Canada in January.

          To get this to a point: I think most of the people have a real credit card in their Portmonee because it is necessary for some people! Sure it would be very nice if bunq offers a real credit card. But there are many good credit cards in the market, so it is not a problem to get a „third“ party credit card from a different bank.

            @MoFi#151234 Dat klopt. Ik houd naast mijn Bunq rekening, mijn Visa credit Card (met krediet faciliteit tot 5.000€ ) ook gewoon aan voor hotels en autohuur.

              6 days later

              I believe that real credit card and overdraft are the two main reasons why one cannot have only a BUNQ account. I understand it is not in their 'business model', but then it must resign itself to be only a secondary account, not a main one.
              Perhaps that is why it is still losing money.

                Hi 👋 @GeneralSunZi#151729

                That totally depends. If you make sure you have plenty of money on your account you never need to overdraft and never pay additional interest or struggle to pay back the borrowed money. Also, I personally use bunq as my main account and use a supplemental 3rd party 'real' creditcard in case I come across a situation I would need that. In almost any case my Travel Card or Green Card will do the job just fine, so far it didn't let me down.

                  I am Italian. Our attitudes to money are culturally very different.
                  Neither is 'right'. We just make diverging assumptions. For instance, I couldn't care less if I have to pay a few bits of interest on a temporary overdraft. It's not the end of the world for me...

                    @GeneralSunZi#151729 Why do you believe bank account needs to support overdraft , or else it can't be used as a main account?

                      Because it may happen that while you move money around there might be a temporary dip in your main account, unless you have a very tight budget control.
                      Money is for me a tool, not an end...

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