What is the credit on the Bunq MasterCard credit card?

JohnDo

Er zit geen krediet op. Je bestedingslimiet is dus gelijk aan het saldo wat je erop hebt staan.

De reden dat het een credit card 💳 wordt genoemd is omdat hij technisch gezien zich gedraagt als creditcard waardoor hij veel beter wordt geaccepteerd door winkels en bedrijven. Achter de schermen werkt het als een debit card 💳 en moet je dus over voldoende saldo beschikken,

DelianavL

John Do Hoi, waarom is er dan zowel een creditcard debit als creditcard credit op bunq? Als u zegt dat beide gekoppeld is aan je rekening... een credit is wat je leent, debit is het geld wat je er op zet of wat je op je rekening hebt staan, wat is de krediet die je dan hebt bij je creditcard credit ?

thijsoost

Roy van Antwerpen Correct. Let er wel op dat je wel een betaallimiet kunt instellen voor zowel passen als rekeningen, dus als je grote bedragen wilt uitgeven moet je zorgen dat deze limieten hoger liggen.

Jakob-Y

Thijs Card payments don't count to the account limit, btw. So for bigger payments with a card you only need to increase the card limit. For bigger payments through bank transfer, then the account limit comes into play.

Whydoineedatogetherusernameifitisnotvisibleanywayandtheresnocharacterlimit

Alleen dat de creditcard beter geaccepteerd wordt.

dmnk

Deliana First and foremost it's a technical marker. John's answer explains the rest.
Why are there different cards at all? Some shops accept just maestro, some prefer debit (typically lower costs) Some credit (more security to get the money).
But nowadays: mostly just emotional preferences and no real differences (Eg the costs for credit card transactions have been reduced from ~3% to 0.something)
To enable bunqers to overcome those limitations, they offer all required flavors.

R

Deliana Als consument heb je in de praktijk meer aan de ‘creditcard’. Je zult zelf namelijk geen verschil merken, behalve dat de creditcard beter geaccepteerd wordt (bijvoorbeeld in het vliegtuig of bij het huren van een auto) dan de debit card.

De naam ‘creditcard’ verwijst naar het feit dat de kaart op terminals van de verkoper als creditcard wordt herkend. Echter, heb je geen krediet op deze kaart: hij haalt het geld direct van je rekening en daarmee is de werking in dat opzicht hetzelfde als een debit card.

LH-Black-Wolf

Deliana Bekijk het zo: de bunq creditcard is gewoon in alle opzichten een debitcard, maar op de achtergrond doet hij net alsof het een creditcard is. Maar het blijft in werkelijkheid een debitcard, ja. Door de niet geembosseerde letters kan hij ook niet op álle plekken offline gebruikt worden overigens, maar dat is tegenwoordig relatief zeldzaam.

MarJamJars

The bunq mastercard Travelcard & Supergreen Metal cards will be accepted as any other creditcard. Giving you the advantage of a wider acceptance with eg hotel reservations, car rentals etc whereas a debit card might be refused. The second best advantage is that while you can only spend money that’s in your account, you will not go into debts. This way you will also avoid high interest rates to pay of your card afterwards. So in fact bunq is helping you stay within your budgets. 💪🏻❤️🌈

Pascall

MJam Had one of the worst experiences ever trying to rent a car with the bunq credit card. Was denied by 4 different companies (Sixt, hertz, europecar, enterprise) in schipol airport (Amsterdam). They didn’t even wanted to try to finalize, they said “bunq-we cannot accept that one”, some also said “that’s from the management”. I rented already with sixt and other companies with this same card. Not sure what happened meanwhile

Declan-Lime-Unicorn

MJam This is a load of nonsense. Alll the Matercards are called Mastercard Credit evvenn though they are debit cards. Credit cards are an entirely separate thing. they let you spend money you don't have right now and but will have hopefully at the end of the money on the date the payment is due.

None of these cards are "credit cards" as recognised by any other country.

You present your physical Bunq "Credit Card" to a hotel for example who wants to put a credit hold on it. and oh no they can't cause it's not a credit card it's a debit card. You can't buy things you might not have the money for right now but will have by the time you get paid at the end of the month sop can can pay in full. like a normal credit card. Calling these things "credit cards" is not helpful it is confusing. to people who come from countries where credit cards are a thing. or go to countries where they are as thing (most countries)

Peter-Red-Penguin

Doesn’t the Credit differ in one aspect over the Debit which is it allows up to €250 on an offline terminal.

Jakob-Y

Peter Both credit and debit have the same 250 Euro offline limit afaik.

Bernd-Cyan-Penguin

https://together.bunq.com/d/38589-cant-rent-a-car-at-sixt-with-bunq-travel-cards

Jakob-Y

pl0x they can't cause it's not a credit card it's a debit card

Of course that's possible. Hotels, car rentals, etc. definitely not an issue with bunq's credit cards. The only difference is that you need to have enough to pay for the deposit yourself and it doesn't come out of nowhere. So basically a deposit is actually a deposit for you.

You can't buy things you might not have the money for right now but will have by the time you get paid at the end of the month sop can can pay in full.

That's indeed not possible. You can only buy things that you have the money for right now. Similar to how secured credit cards work everywhere else in the world.

Calling these things "credit cards" is not helpful it is confusing. to people who come from countries where credit cards are a thing. or go to countries where they are as thing (most countries)

There's indeed an argument to be made to revamp the naming. But calling them debit cards could also be confusing, as they don't work like debit cards for merchants and, at least officially, they're not debit cards. Also the money that you spend over the month is actually remaining in your account at bunq and collecting interest until the 1st of the next month. You wouldn't expect that to happen with a debit card, and people could be confused as to why they're getting more interest than the display account balance warrants.

Marc-Maroon-Unicorn

Jakob Daarvoor noemt je dit zulke al in USA een Secured Creditcard enne bunq zou ook dit hernoemen kunnen maar europa kent ze weer niet ... dit is ook oplossing maar ja ...