Belgium's Credit Register and your credit card
A credit card is recorded in Belgium's Individual Credit Register, even unused. Default after three months, deletion after 1 or 10 years.
Comparer Carte Crédit
Blog 2026
Independent guides, comparisons and reviews from Comparer Carte Crédit.
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26 articlesProfils & usages
Comprendre la carte
How a Visa card works in Belgium
Visa carries the payment and writes the rulebook; your bank lends you the money and sets the fees. Who does what, who earns what, and who to write to.
Profils & usages
Neobank fraud or dispute: your recourse in Belgium
A neobank must refund a debit you did not authorise if you report it within 13 months. Revolut falls under Ombudsfin in Belgium. Deadlines and proof.
Frais & coût réel
Can a credit card really cost no interest at all?
A deferred-debit card settled on time costs no interest by law, not as a favour. What actually tips a Belgian card into a real APR, with figures to prove it.
Comparatifs & face-à-face
Gold card price: Visa or Mastercard, the real cost
Visa Gold or Mastercard Gold: the network does not set the price. Annual fee, APR, EUR 100 withdrawal and disputes at Beobank, BNP Paribas Fortis and ING.
Démarches & incidents
Chargeback in Belgium: how to dispute a card payment
Chargeback or legal refund: two different mechanisms, two different deadlines. Which grounds hold up, what evidence to gather, and the recourse if the issuer refuses.
Comparatifs & face-à-face
American Express in Belgium: real cost and disputes
An American Express card is neither a bank nor an open network: it is both at once, with its own cost and its own dispute deadline, figures included.
Démarches & incidents
Visa cash withdrawal fees in Belgium: EUR 100 costs EUR 7
Withdrawing EUR 100 at an ATM with a Belgian credit card costs EUR 5 to EUR 7, plus interest that runs from the day of the withdrawal. Issuer by issuer.
Profils & usages
Card hold for a car rental in Belgium
A Belgian rental desk holds €500 to €1,500 on your card, not on your account. The real release time, and your remedy when the money stays blocked.