Debt collection agency in Belgium: your rights
Unpaid credit card and a letter from a debt collector: capped fees, home visits, how to dispute and where to complain in Belgium.
Comparer Carte Crédit
Blog 2026
Independent guides, comparisons and reviews from Comparer Carte Crédit.
Blog
26 articlesProfils & usages
Démarches & incidents
Merchant bankrupt or not delivering: card recourse
Order paid by card and never delivered, site closed, merchant bankrupt: the 30-day rule, the dispute window, the claim to file and the recourse in Belgium.
Comprendre la carte
Deferred debit: what it is, and when you get charged
Deferred debit adds up your month's purchases and charges them on a fixed date, interest-free if paid in full. KBC and Beobank figures of 4 October 2026.
Démarches & incidents
Card Stop: what the block covers and what it does not
Card Stop blocks a card for good, then stops: no refund, no fintech cards. What follows at Belfius, KBC, Beobank and Argenta, with replacement costs.
Profils & usages
Bank refuses a fraud refund: gross negligence in Belgium
Gross negligence does not let a Belgian bank refuse the immediate refund of a fraudulent payment. Court of Cassation definition, burden of proof, recourse.
Frais & coût réel
Can my bank raise my credit card rate?
Yes, within the limits of Book VII of the Economic Law Code: prior notice on a durable medium, a capped APR, and a free exit if the rate rises over 25%.
Comprendre la carte
APR vs borrowing rate: the difference, with real numbers
The borrowing rate produces the interest, the TAEG (APR) is for comparing. Cetelem: 13.85% vs 14.49%. KBC: 8.97% vs 9.35%. Where does each gap come from?
Démarches & incidents
Debt mediation in Belgium: the credit card case
A credit card debt can go into debt mediation in Belgium. Cost, steps, what happens to the card, CPAS or collective debt settlement: the procedure.
Frais & coût réel
Credit card interest calculator for Belgium
A €1,500 balance at 14.5 % APR, repaid €100 a month, costs €153.74 in interest and takes 17 payments. The calculator reruns that sum on your own figures, with the Belgian zeroing deadline as a safeguard.