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A credit card is actually a payment card and a loan in one, with various benefits on the top. When you pay by credit card, you don't use your money but the bank's money.
When paying with a credit card, you get money for 45 days without any interest, which no other product offers.
Offering additional services, it comes handy at home and on the road. You can make use of free service when you leave your keys at home or use travel insurance.
You can also get a discount of up to 50% when shopping or get a supplementary pension insurance.
Although they may look the same to you, there is a big difference in the way they work. The main one is in the money used. Is it worth it to get a credit card, or is a debit card enough for you?
You receive a debit card from your bank with your current account. When paying with it or withdrawing cash from an ATM, you use your own money. Alternatively, you can arrange an overdraft.
When paying with a credit card, you use money of your bank. You can spend up to a certain limit and then you have an interest-free period to pay back to the bank.
Using a credit card brings you many benefits, such as discounts, bonuses, retirement savings contributions or travel insurance for the whole family.