Originally Posted by
WilcoRoger
[MENTION=298919]nacho[/MENTION] - I do't think I agree with you. Buy a plane ticket with debit card - if the airline goes bust, you're in the line with other, non-secured debtors (99% you get zilch) With CC you can claim directly from the CC issuer the refund (not a chargeback per se, but very similar) Here (FIN) all debit card are issued with the MC or Visa logo, so merchants cannot differentiate if you use the credit or debit side of the card.
If an airline goes bust you are covered by travel insurance which people normally have (it includes in all household insurance in SE and in DK you will need to buy that and we have that protection). Our debit cards are also with MC or Visa logo too - I think most debit cards have nowadays - I have them from DK, SE and DE and all have either Visa or Master on.
Why would anyone go for paying 50 EUR annual fee for a credit card that gives you 0 value? There are 2 in DK that has no AF with incentives but their forex fee are 1,5% and 2% (SEB). The SK cards have just put up their annual fee which makes absolutely no sense to get it.
Also, it's not everyone that can get a credit card, forget about it if you are working part-time or less - it doesn't matter how much you have in your bank account (that's what I was told by Nordea).