{"id":445,"date":"2025-05-14T00:00:00","date_gmt":"2025-05-13T22:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=445"},"modified":"2026-02-26T15:42:38","modified_gmt":"2026-02-26T14:42:38","slug":"credit-card-exemptions","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/","title":{"rendered":"Credit card exemptions needed in new EU consumer credit legislation"},"content":{"rendered":"\n\n\n<p><\/p>\n\n\n\n\n\n\n\n<p class=\"has-intro-font-size\">Dutch credit card issuers are concerned about the future accessibility and cost of credit cards for consumers. Dutch credit cards risk soon falling under <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/b1\">revised EU consumer credit legislation <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>, known as theConsumer<em>Credit Directive 2<\/em>, or CCD2. This would make credit cards significantly more expensive and out of reach for some consumers.<\/p>\n\n\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"509\" height=\"339\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Twee oudere reizigers staan in de stad, bekijken samen een smartphone en een papieren kaart om hun route te bepalen.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg 509w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710-300x200.jpg 300w\" sizes=\"auto, (max-width: 509px) 100vw, 509px\" \/><\/figure>\n\n\n\n\n\n\n<p>Dutch credit cards are mostly so-called &#8216;deferred debit cards&#8217;, debit cards with a deferred monthly repayment in one lump sum. A cardholder&#8217;s debt to the card issuer is therefore short-term and cannot accumulate further each month.<\/p>\n\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lidstaatoptie\">Member State option<\/h3>\n\n\n\n\n\n\n\n<p>Common Dutch credit cards are exempt from a number of provisions in the current CCD1, thanks to a member state option for &#8216;deferred debit cards&#8217;. This makes credit cards very accessible to Dutch consumers, at relatively low cost. When transposing CCD2 into Dutch law, the government threatens to remove this member state option.<\/p>\n\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gevolgen-voor-consumenten\">Consequences for consumers<\/h3>\n\n\n\n\n\n\n\n<p>If the member state option for &#8216;deferred debit cards&#8217; is dropped, these are the expected consequences for consumers:<\/p>\n\n\n\n\n\n\n\n<ul class=\"wp-block-list\">\n\n\n<li>Certain consumers with relatively low freely disposable income, will no longer be eligible for a credit card at all when reapplying, as statutory creditworthiness requirements become stricter.<\/li>\n\n\n\n\n\n\n\n<li>Cardholder fees will increase significantly due to higher &#8216;compliance costs&#8217; for card issuers; these are the extra costs for card issuers to comply with the stricter new legislation.<\/li>\n\n\n<\/ul>\n\n\n\n\n\n\n\n<p>In order to keep credit cards accessible and affordable for as many Dutch people as possible, the Dutch credit card issuers &#8211; ING, Rabobank, International Card Services and American Express &#8211; are asking the government to maintain the existing member state option when CCD2 is introduced. They do so in a <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/reactie\/8a469264-e67e-4fa2-bdb8-b8a040780f30\">joint response to a public consultation by the Ministry of Finance <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-borg-en-aanbetalingen\">Deposit and down payments<\/h3>\n\n\n\n\n\n\n\n<p>Credit cards are mainly an irreplaceable and inexpensive payment instrument for many consumers to pay a deposit for rental cars, pleasure boats and holiday homes, or to make an advance payment for a later purchase. A credit card deposit payment is only reserved on the credit card&#8217;s credit balance. That reservation is not debited from the cardholder&#8217;s payment account. With an ordinary debit card, however, a reservation is deducted directly from the balance of the linked payment account.<\/p>\n\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-meer-keuze\">More choice<\/h3>\n\n\n\n\n\n\n\n<p>Many international landlords of cars, boats and holiday homes require customers to pay the rent and deposit with a credit card; they do not accept other payment instruments, including updated debit cards. Without a credit card, this leaves a consumer with less choice when renting especially means of transport and holiday accommodation.<\/p>\n\n\n\n\n\n\n\n<p><a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/reactie\/8a469264-e67e-4fa2-bdb8-b8a040780f30\">Read the joint response to the Dutch &#8216;implementation law&#8217; for CCD2 on behalf of credit card issuers <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Dutch credit card issuers are concerned about the future accessibility and cost of credit cards for consumers. Dutch credit cards risk soon falling under revised EU consumer credit legislation , known as theConsumerCredit Directive 2, or CCD2. This would make credit cards significantly more expensive and out of reach for some consumers. Dutch credit cards [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[16,13],"class_list":["post-445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","btv_subject_tax-card-payments","btv_subject_tax-european-legislation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit card exemptions needed in new EU consumer credit legislation - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Dutch credit card issuers are concerned about the future accessibility and cost of credit cards for consumers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit card exemptions needed in new EU consumer credit legislation\" \/>\n<meta property=\"og:description\" content=\"Dutch credit card issuers are concerned about the future accessibility and cost of credit cards for consumers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-13T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T14:42:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"509\" \/>\n\t<meta property=\"og:image:height\" content=\"339\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Credit card exemptions needed in new EU consumer credit legislation\",\"datePublished\":\"2025-05-13T22:00:00+00:00\",\"dateModified\":\"2026-02-26T14:42:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\"},\"wordCount\":446,\"image\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/credit-card-exemptions\/\",\"name\":\"Credit card exemptions needed in new EU consumer credit legislation - 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