L Oh I fully agree. I would never participate in this myself either, I have a normal credit card. But since there are people that don’t want to, can’t get one or want to bank with bunq exclusively: figured it might be an option.
But in the meantime I’ve learned that the difference is a guarantee. MasterCard/VISA for the credit section have special arrangements with with car rentals and hotels for example (eg: you empty the minibar without paying, they can charge your CC; even if that means you would cross your limit). This doesn’t necessarily have to be a problem with the scheme I suggested, but it may be bunq has to take some responsibility in that area which they may not like to commit themselves to.
Either way, that’d be a consideration for bunq. :)
