Hard disagree, credit cards rule, and it's the other way around ;)
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Replying to @ow @thijsniks
I dislike the compatibility issues Dutch debit cards have but I like the Dutch general distaste for having consumer debt. I'm torn. Maybe we should all switch to Visa Debit?
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Replying to @lennartnout @thijsniks
Yeaj, Visa debit should be the assumed default, rather than this custom nonsense. Credit cards still have a real benefit value in that equation, but mean that they get cheaper because they're not some whole other system.
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Replying to @ow @lennartnout
I 100% agree with using Visa or MasterCard for debit rails (as opposed to Electron or Maestro). What’s the upside of a credit card over a debit card with a bank account overdraft though?
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Replying to @thijsniks @lennartnout
I can think of a few: 1) All of my credit card purchases have 180-day insurance. 2) If money is stolen from my credit card it's not gone from my actual account. 3) Chargebacks are faster/easier on a credit card, much more drawn out with debit.
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Replying to @ow @lennartnout
I can understand all these cases, but not sure if that weighs up against them being 3x more expensive than debit cards.
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Replying to @thijsniks @lennartnout
Oh the other thing is we get none of the benefits on Dutch cards that usually make it worth it. My nz card has global travel and medical insurance, cancellation insurance, points etc for the same price.
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Replying to @ow @thijsniks
I'm amazed nobody is saving points on their credit card. Besides Flying Blue. Dutch people would be all over that
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Replying to @lennartnout @thijsniks
Yeah my card back home paid itself off 10x over with air miles!!
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Replying to @ow @lennartnout
Points are a tax on poor people to give rich people free stuff…
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Which is why the European Union has strict card regulation
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Replying to @thijsniks @ow
I hadnt considered that. Interesting perspective...
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