The team unpacksBelgian cards.
Practical guides, comparisons and lessons from the field — updated monthly.
123 articles · page 1 of 14
Card payment authorisation: a yes with no guarantee
A card authorisation checks three points only. J+2 settlement, refunds within 180 days, fund holds: what one Belgian acquiring contract actually says.
Paying in the US with a Belgian credit card
Yes, once the card is unblocked before departure. ZIP code at the pump, hotel and car rental holds, exchange fees: the pitfalls, with dated sources.
Ombudsfin complaint: the procedure step by step
Complaining about your bank in Belgium: write to it first, then free mediation by Ombudsfin within a year. Deadlines, model letter, limits of the opinion.
Credit withdrawal period: 14 days or one month?
A credit can be cancelled without reason within 14 calendar days, a month in some contracts. Start date, form, real cost and the credit card case.
Can you pay rent by credit card in Belgium?
In Brussels, rent must be paid by transfer or deposit since 1 November 2024. Why a credit card has no place in it, and what a workaround would cost you.
Credit card zero-balance deadline in Belgium: how it works
Zero-balance deadline on a Belgian credit card: two legal regimes, where to read your date, how it is computed, and why the monthly minimum falls short.
Your rights as a credit card holder in Belgium
Loss, fraud, recurring payments, refusals, fees and complaints: the map of a Belgian cardholder's rights, with the remedy that matches each situation.
Stopping a Recurring Payment on a Credit Card
Direct debit or card stored with the merchant: where to cut the subscription, until when, and what Book VII says about withdrawing your consent.
Blocked 3D Secure Payment: Why Your Card Is Declined
Online purchase declined with money in the account: 3D Secure confirmation, internet option, limit, bank security block. What to check, and in which order.