To apply for a credit card you must be over 18 and have an annual income over a certain amount, usually in the region of at least €16,000 a year. You’ll need to have a good credit history too, which means well-managed finances and not too many other loans and debt. You may also need to provide proof of identification and proof of address during the application process.
Most credit cards providers give up to 56 days’ interest-free credit on purchases. This means you can avoid paying any interest if you pay off your balance in full and on time each month.
All credit cards are subject to government stamp duty of €30 every year. Some credit card providers may also charge an annual fee.
If you don’t pay off your balance in full each month you’ll be charged interest on the outstanding balance. The best way to use a credit card is to always pay your statement balance in full and on time each month, or at least pay off as much of what you owe as possible.
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