Since joining the EU, Poland has welcomed more and more foreigners. As an expatriate in this country, you can experience many adventures. The adventure can range from great cuisine, attractive sights, great culture and the opportunity to meet the ever beautiful Polish girls. Did I mention the high mountains that invite hiking, and the picturesque coastline? All of these are just a few of the many things that anyone coming to Poland can try. You will feel at home in this country also thanks to the relatively low cost of living.<\/p>\n
Another peculiarity of Poland is that, unlike Scandinavian countries that are moving towards cashless systems, the country is still proud of cash. There are undoubtedly many stores in the city center that accept cash payments. Still, we can't just ignore the fact that the country is going digital and people are becoming more and more confident in cashless transactions. This is where talking about credit cards in Poland becomes a necessity, because they allow borrowers to spend their money without anyone knowing it is even a loan.<\/p>\n
Although borrowing and seeking credit are nothing new, people always tend to feel shy when everyone around them needs to know that they are actually broke and need to call someone to approve a payment. This is what you really don't have anymore with a credit card in Poland. Anyone who has ever been in such a situation can understand how embarrassing it can be to call a friend or family to transfer money to their accounts because your card doesn't have enough balance.<\/p>\n
Every traveler will confirm that it is good to have a credit card in order not to have to exchange money or struggle with tight budgets. Therefore, it is important to know a few things about how credit cards work in this country so that you can better manage your finances. Credit cards have become a convenient payment method in most countries. It is no different in Poland. Using your credit card in Poland is as safe as it gets. Most companies allow credit card payments, with VISA and MasterCard being the most popular. Some stores also accept Amex cards.<\/p>\n
If you have read anything about Polish banking, then you can confirm that it has come a long way. In the 1990s it was a monopolized and inefficient system. In this day and age, there are several local and international banking options in the country. So it pays to shop around and find an offer that best suits your needs.<\/p>\n
Credit cards are common in most parts of Poland, especially in places that are considered tourist attractions. However, you should carry cash with you in case you encounter a merchant who does not accept credit cards. In Poland, it's advisable to use a credit card as often as possible to avoid carrying large amounts of cash.<\/p>\n
Most banks in Poland offer their customers credit cards as an additional product. When a user signs a contract, such as. B. needs to take out a mortgage, the bank usually requires him to have a credit card. However, before signing a contract, you should read all the terms and conditions to avoid monthly charges on your credit card.<\/p>\n
Note that most banks set monthly fees based on a certain minimum value of transactions made with a credit card per month. Check with your provider to find out how much you will have to pay to get a card. With some providers, you can negotiate and get it for free. I should remind you that credit cards are money in the form of plastic. So use your card wisely.<\/p>\n
Another important aspect of getting a credit card in Poland is security. When choosing a credit card, you should also check its security features. There have been cases where fraudsters have copied credit card numbers or credit cards. Having a copy can add charges to your card without your consent.<\/p>\n
So make sure your bank offers a credit card that gives you an alert every time you use the card. This is important because it allows you to block or cancel a stolen card. Most banks will send you a new card once the problem is fixed.<\/p>\n
Even if you are an expat or a long-term resident of Poland, you will need a credit card in Poland. For example, if you want to buy a ticket online. Credit card payments are also safer when shopping online and buying tourist services. The good news is that even if you are a foreigner, you can apply for a credit card in Poland. If you've maxed out your credit card limit, there's also the option of taking out a payday loan and having it paid directly to your credit card. This way you continue to use the card as if it were loaded with your own money, not with a second level of credit.<\/p>\n
As long as you remain disciplined, using your credit card should remain convenient. Make sure you keep track of your expenses and pay your credit card bills on time. The requirements for getting a credit card vary from bank to bank. However, there are some conditions that are basic and standard in Poland.<\/p>\n
Most credit card providers require some form of identification. Therefore, you must include your identity card or passport with the application. Your bank will also ask you for a residence permit, which you should definitely carry with you. Finally, Polish banks require a declaration of income to issue a credit card. So if you have an employment contract, you should attach an extract from the last three months.<\/p>\n
For those who have a special employment contract, different conditions apply to the profit and loss statement. Here, most banks expect you to provide contracts from the last 12 months. This means that the period of employment must be longer than 12 months. The trick to getting a credit card, however, is to have a steady job with a regular income. If you are not actively working, I would not recommend applying for one, as you could get into debt.<\/p>\n
In terms of application requirements, I would recommend Millennium and PKO BP. They are more lenient and favorable towards expats. For example, Millennium only requires a residence card for a certain period of time. PKO BP, on the other hand, requires at least a residence permit with a PESEL number on it.<\/p>\n
If you are from an EU country, the offer becomes even better. You only need a registration certificate and a certificate of issuance of a PESEL number. Another popular provider among expats is Bank Pekao S.A. You need a residence permit, and you should consider opening a bank account with them. Credit cards can be issued more easily to customers who already have an account with the bank.<\/p>\n
You can also apply for your credit card at the BZWBK bank. However, you will need a residence permit for a period of two years. Each bank may ask for additional documents. Therefore, you should check the requirements on their websites before submitting an application.<\/p>\n
However, do not worry if you feel that you do not meet some requirements. Most banks are lenient if they think you are eligible for funding. Credit cards are in most cases the most attractive and profitable product for most banks. So, as long as you have a proper residence permit and a steady source of income in Poland, you can get a credit card. <\/p>\n","protected":false},"excerpt":{"rendered":"
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