> Why would you not want a 3,000 euro interest-free one-month loan?
Just save for something and then pay it off immediately. A debit card gives you an accurate and up to date overview of your balance. A credit card is more involved in that.
Having a credit card is much more expensive than just a debit card. Unfortunately, credit card is needed for traveling (maybe more about the Maestro vs MasterCard/Visa difference).
The seller also has to pay significantly more in case of a credit card. Therefore, it is not cheaper (it is just a hidden cost that indirectly is charged to you anyway). In Netherlands they often make you pay if you want to use a credit card.
Just save for something and then pay it off immediately. A debit card gives you an accurate and up to date overview of your balance. A credit card is more involved in that.
Having a credit card is much more expensive than just a debit card. Unfortunately, credit card is needed for traveling (maybe more about the Maestro vs MasterCard/Visa difference).
The seller also has to pay significantly more in case of a credit card. Therefore, it is not cheaper (it is just a hidden cost that indirectly is charged to you anyway). In Netherlands they often make you pay if you want to use a credit card.