The team unpacksBelgian cards.
Practical guides, comparisons and lessons from the field — updated monthly.
62 articles · page 1 of 7
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.
Where to Use Amex in Belgium, and Where It Is Still Refused
Amex Belgium says 'everywhere', cites Delhaize and dates its figures to 2021. Refusals at the till: Belgian law, merchant contract, franchises, Apple Pay.
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.