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Ing automatically defines the old clients no matter what type of card you have.

Today was saying in application 8 to 13 percent interest rate up to 24 months for 10k.

@maharaji1984

So you would have to have been an ing client for quite a while correct ?

@ChristelP

Yup

*** I get credit card next week I arrived in Be with ING, ur salary there what is matters

@ChristelP

It is difficult to get a loan with an A card as you don't have permanent residency. If you are laid off with an A card you have three months to find a new job or you are forced to leave. This is too risky for banks.

This isn't to say it is impossible to get a loan with an A card, but unless you have some way of guaranteeing repayment, banks will be reluctant to lend to you. For instance, if you have a large downpayment (e.g., 40-50%) a bank may give you a home loan, but you also have to be close to the 5 year period when you can request permanent residency. ING will not do this, but KBC will.

@ChristelP

it is next to impossible to get a loan with an A card; you cannot get a credit card on an A card, so a loan is borderline impossible. The best you can get is the deferred debit credit card, which you have to pay off every month, and unlike a normal credit card, you cannot carry the balance forward and pay at your convenience.