(10-12-2022, 08:20 AM)Nabeshin Wrote:

(10-12-2022, 01:13 AM)jellybelly Wrote:

(10-11-2022, 08:56 AM)Nabeshin Wrote: Yes, Revolut cards are "debit", but that's fine, they work online just liek VCCs, only you have to put money on them first, obviously, why would they give you credit when you didn't do anything to show them any trust yet? Even real banks don't issue credit cards if you don't put some money on their account first, the more you have the higher your CC limit

Revolut's VBC, if you want to call em that, are just like VCC, except prepaid

Yes, I know that you have to put money on Revolut debit cards or link them to your *actual* bank account.  I also understand the reasonings as to why one must add funds to their account. I don't know which real banks you're on about because I've never had to put money on an account/card first in order to obtain a credit card or gain a banks trust as you mention. A credit is exactly that: a type of credit facility, provided by banks that allow customers to borrow funds within a pre-approved credit limit, providing that you pay back the loan amount in the future.

And as far as I'm aware, CC limits are determined by your credit score such as payment history, credit utilisation, length of credit history etc.

I don' think I'm able to convey my question very efficiently. Nonetheless, thank you for your reply. 

Oh ok,  you're from the US, that explains it
There's no credit score thing here in EU, CC limits are mostly based on the worth you prove, so having money on that account, having your income automatically paid to you on that bank and so on, that gives a higher limit
And, since we're getting debit cards  that work online (in the past few years at least) there's really no need for CREDIT cards anymore except some very limited scenario (car rental is one of them), EU isn't big on buying with credit as far as I know, installments are more common