Bernard It is not a credit card because you don’t have a credit line associated with.
This is not true. Please don't share false statements. The bunq creditcards are official creditcards, given out by bunq and Mastercard. They comply with all official regulations of creditcards. A creditcard is not defined by having a credit line as you define it. (the bunq cards technically have some sort of credit line, but you provide your own credit basically)
Giving you some more technical details; normally banks settle these loans/credit on a monthly (or other periodic?) basis; this is what happens at bunq too. However, with "traditional" cards you'd get a charge at the moment of settlement. bunq takes the money immediately when paying and bunq moves it into an internal temporary IBAN, meaning you can not spend that money a second time. A merchant is NOT able to see this. All the merchant sees is that you're paying with a bunq Mastercard creditcard, they can't see the details of how things work behind the scenes. Obviously, when your balance is insufficient the transaction will be blocked. The same would happen when you've reached the (credit) limit of your "traditional" card.
Source: I know my way around the cards/systems as a former employee and former forum moderator.
Bernard Personally i choose Bunq because they claim they are proposing credit cards with instalment
bunq doesn't offer payment in instalments. This service is only possible when a merchant offers it. bunq doesn't provide any kind of loans; paying in instalments is just a kind of loan, hence: not possible at bunq. I've never seen bunq advertising this. I'm pretty sure that you are referring to something else, but if you happen to have a link or something then I'd be happy when you prove me wrong. 😄