60 articles · page 1 of 5
Usury rate in Belgium: the cap on a credit card
The Belgian cap is called maximum APR: 16.50%, 14.50% or 13.50% for a card depending on the limit. December 2025 grid, re-read on 4 November 2026.
Fake bank adviser scam: spot the call and react
A fake adviser phones you in the name of your bank or Card Stop. Belgian scenarios of 2026, the call-back rule, the first minutes and your remedies.
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.
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.
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.
Credit card glossary for Belgium
Credit card glossary for Belgium: the index of all 50 terms, ten definitions with figures and who writes each word, from the law to the contract.
Paying without a credit card in Belgium: the alternatives
Visa Debit, foreign currency account, prepaid card, Wero, pay in three: the alternatives to a credit card in Belgium, use by use, and where each one fails.
BNPL, cashback, purchase protection: the 10 words of card perks
BNPL, cashback, purchase protection, trip cancellation cover: the 10 words behind Belgian credit card perks, defined and priced.
Belgian credit cards by age and life stage
Purchase protection, shared ceilings, professional exclusions: the same Belgian credit card is not worth the same thing at 20, 40 or 75.
Credit register, Ombudsfin, SECCI: the 10 words of Belgian law
Central Credit Register, SECCI, Ombudsfin, debt mediation: the 10 legal words behind a Belgian credit card, defined and backed by figures.