Are you looking for a credit card, or are you looking for a method to easily borrow money? You can compare a credit card with a revolving credit, it has the same characteristics. This means, among other things, that the interest is variable, in contrast to a personal loan. In addition, there is a credit limit, this is the maximum amount that you can withdraw. The moment you request a credit card, you agree on a maximum amount per month with the provider, based on your income and personal wishes.
Cost of the credit
Do you use the credit card to make purchases that you cannot pay immediately at the end of the month? That’s no problem, in that case you use the revolving credit linked to the card. Keep in mind that the costs for a credit via a credit card can be relatively high.
Do you want to use a cheap alternative to the credit card? Then take out a revolving credit with a bank. You generally pay a sharper interest per month, while you also have the option to withdraw money when you need it.
Use of a credit card
On the other hand, using a credit card is of course easier, it is sufficient to deal with this card, for example when you are in a store or when you shop online. You do not have to contact the bank to withdraw an amount, making a payment is sufficient. In that case, weigh the use of a credit card against a revolving credit to see what you can best request in your case.
Request online credit card
Would you like to use a credit card? You can simply request this online, you obviously do not have to leave home. Instead, it is sufficient to indicate which credit limit you want per month, and then to apply. Bear in mind that a bank or other provider will perform a BCR check to see if you can carry the credit. Is that the case? Then you will generally receive the credit card within a week, so that you can make payments with it from now on.