How a credit card works in Belgium
Authorisation, clearing, debit: a Belgian credit card moves your money at three separate moments, and only one of them shows up on the statement.
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Blog 2026
Independent guides, comparisons and reviews from Comparer Carte Crédit.
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Démarches & incidents
Cancelling a credit card in Belgium
One month's notice by registered mail, the annual fee refunded pro rata, the card returned cut in half and the credit register cleared: the Belgian procedure.
Comparatifs & face-à-face
Debit card or credit card: the real difference
When the money leaves your account is not the difference that costs you. The price of a cash withdrawal and your recourse in a dispute are.
Comprendre la carte
Credit card interest: how it is actually calculated
Carried balance, minimum payment, zeroing deadline: how interest on a Belgian credit card is calculated, and what it really costs over twelve months.
Démarches & incidents
Card Stop: stolen card, who pays the charges?
Blocking a card on 078 170 170, the EUR 50 excess, who carries the burden of proof, and what to do when the issuer refuses: the Belgian procedure, in order.
Frais & coût réel
How much does a credit card cost per year in Belgium?
Annual fee, withdrawals, exchange, interest: what a Belgian credit card really costs over twelve months, with rates recorded from the issuers.
Comparatifs & face-à-face
Visa or Mastercard in Belgium: what's the difference?
What the network genuinely changes for a Belgian cardholder, and what it does not change at all: annual fee, exchange margin, limit and insurance all come from the issuer, not from the logo.