{"id":5253,"date":"2023-11-29T07:47:43","date_gmt":"2023-11-29T05:47:43","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/?page_id=5253"},"modified":"2025-10-07T10:22:45","modified_gmt":"2025-10-07T08:22:45","slug":"credit-cards","status":"publish","type":"page","link":"https:\/\/staging.moneyhub.ee\/en\/money\/credit-cards\/","title":{"rendered":"Credit Cards"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5253\" class=\"elementor elementor-5253\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14c5db6d e-flex e-con-boxed e-con e-parent\" data-id=\"14c5db6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ab09109 elementor-widget elementor-widget-shortcode\" data-id=\"6ab09109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-408dcb24 e-flex e-con-boxed e-con e-parent\" data-id=\"408dcb24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5b17abb5 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"5b17abb5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e61429e e-flex e-con-boxed e-con e-parent\" data-id=\"7e61429e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5069887 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"5069887\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cbb1dc8 elementor-widget elementor-widget-text-editor\" data-id=\"2cbb1dc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><strong>Putting all credit cards on the table<\/strong><\/h1><h2><strong>Whatever credit card you need, we&#8217;ve got a great pack to pick from when you compare credit cards with MoneyHub.<\/strong><\/h2><p><em><strong>MoneyHub experts say:<\/strong><\/em><\/p><p><em>\u201cCredit cards are like fire \u2013 a great tool if used well&#8230;used badly, they can burn. Different types of credit cards can help you cut debt costs, spread the cost of a purchase, get rewards, or are good overseas. So choose which one is right for you.\u201d<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d059b8 e-flex e-con-boxed e-con e-parent\" data-id=\"3d059b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a7b399 table-overflow tablepress-nwdesign elementor-widget elementor-widget-shortcode\" data-id=\"9a7b399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8 highlight-rows-1-3 tablepress-responsive\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Loan Provider<\/th><th class=\"column-2\">Credit cards<\/th><th class=\"column-3\">Interest-free period<\/th><th class=\"column-4\">Interest rate<\/th><th class=\"column-5\">Monthly fee (EUR)<\/th><th class=\"column-6\">Cashback<\/th><th class=\"column-7\">Our Rating<\/th><td class=\"column-8\"><\/td>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n.png\"><\/a><\/td><td class=\"column-2\">Luminor Visa infinite<\/td><td class=\"column-3\">50<\/td><td class=\"column-4\">12%<\/td><td class=\"column-5\">\u20ac20.00<\/td><td class=\"column-6\">x<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating4.5-ModeDark-1.png\"><\/td><td class=\"column-8\"><a href=\"https:\/\/luminor.ee\/era\/krediitkaart-luminor-visa-infinite\" target=\"_blank\" rel=\"noreferrer noopener\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/MoneyHub-Credit-Card.jpg\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/MoneyHub-Credit-Card.jpg\"><\/a><\/td><td class=\"column-2\">MoneyHub Credit Card<\/td><td class=\"column-3\">0<\/td><td class=\"column-4\">13%<\/td><td class=\"column-5\">\u20ac0.00<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating4.5-ModeDark-1.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/register-interest\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_platinum-card.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_platinum-card.png\"><\/a><\/td><td class=\"column-2\">Inpay Platinum *<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">12%<\/td><td class=\"column-5\">\u20ac12.90<\/td><td class=\"column-6\">2<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/in-pay.app\/ee\/ru\/cards\/platinum\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet.png\"><\/a><\/td><td class=\"column-2\">Placet Group credit card<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">24%<\/td><td class=\"column-5\">\u20ac0.00<\/td><td class=\"column-6\">5<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/in-pay.app\/ee\/ru\/cards\/metal\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_metal_card.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_metal_card.png\"><\/a><\/td><td class=\"column-2\">Inpay Metal *<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">12%<\/td><td class=\"column-5\">\u20ac27.90<\/td><td class=\"column-6\">2<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/in-pay.app\/ee\/ru\/cards\/metal\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card.png\"><\/a><\/td><td class=\"column-2\">Swedbank Platinum credit card<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">14%<\/td><td class=\"column-5\">\u20ac14.90<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating4.5-ModeDark-1.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.swedbank.ee\/private\/cards\/cards\/credit\/mc-platinum\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi.png\"><\/a><\/td><td class=\"column-2\">Holm Liisi credit card<\/td><td class=\"column-3\">15<\/td><td class=\"column-4\">14%<\/td><td class=\"column-5\">\u20ac0.00<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.holmbank.ee\/ru\/chastnyj-klient\/kreditnaya-kartochka\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV.png\"><\/a><\/td><td class=\"column-2\">LHV<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">16%<\/td><td class=\"column-5\">\u20ac1.00<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.lhv.ee\/et\/era-krediitkaart\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1.png\"><\/a><\/td><td class=\"column-2\">LHV Gold credit card<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">16%<\/td><td class=\"column-5\">\u20ac0.00<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.lhv.ee\/et\/kuld-krediitkaart\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold.png\"><\/a><\/td><td class=\"column-2\">Swedbank Gold credit card with free repayment<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">17%<\/td><td class=\"column-5\">\u20ac5.99<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.swedbank.ee\/private\/cards\/cards\/credit\/mc-gold-revolving\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_standard.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/inpay_standard.png\"><\/a><\/td><td class=\"column-2\">Inpay Standard *<\/td><td class=\"column-3\">35<\/td><td class=\"column-4\">18%<\/td><td class=\"column-5\">\u20ac2.50<\/td><td class=\"column-6\">2<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating2.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/in-pay.app\/ee\/ru\/cards\/standard\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black.png\"><\/a><\/td><td class=\"column-2\">Luminor Black<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">18%<\/td><td class=\"column-5\">\u20ac5.50<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/luminor.ee\/era\/maksekaart-luminor-black\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_vaba.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_vaba.png\"><\/a><\/td><td class=\"column-2\">Swedbank credit card with free repayment<\/td><td class=\"column-3\">30<\/td><td class=\"column-4\">19%<\/td><td class=\"column-5\">\u20ac1.59<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.swedbank.ee\/private\/cards\/cards\/credit\/mc-revolving\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed.png\"><\/a><\/td><td class=\"column-2\">Credit card with SEB fixed repayment<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">Interest free. The entire limit on the agreed day of the following month<\/td><td class=\"column-5\">\u20ac1.60<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating3-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.seb.ee\/igapaevapangandus\/krediitkaardid\/maaratud-tagasimaksega-krediitkaart\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold.png\"><\/a><\/td><td class=\"column-2\">SEB Gold credit card<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">Interest-free until next month's payment date<\/td><td class=\"column-5\">\u20ac3.50<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating2.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.seb.ee\/igapaevapangandus\/krediitkaardid\/gold-krediitkaart\">Look Closer<\/a><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_prepaid.png\"><img decoding=\"async\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_prepaid.png\"><\/a><\/td><td class=\"column-2\">Mastercard prepaid credit card<\/td><td class=\"column-3\">45<\/td><td class=\"column-4\">16%<\/td><td class=\"column-5\">\u20ac0.00<\/td><td class=\"column-6\">0% - 1% h\u00fcvitis<\/td><td class=\"column-7\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/11\/Rating2.5-ModeDark.png\"><\/td><td class=\"column-8\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.seb.ee\/igapaevapangandus\/krediitkaardid\/pusimaksega-krediitkaart\">Look Closer<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-8 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6addf35c e-flex e-con-boxed e-con e-parent\" data-id=\"6addf35c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad58f8 elementor-widget elementor-widget-heading\" data-id=\"6ad58f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit Cards FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c6e4bac elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"5c6e4bac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-5c6e4bac\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"5c6e4bac\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-we-calculate-our-star-ratings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1551\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do we calculate our star ratings?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1551\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"how-do-we-calculate-our-star-ratings\"><p class=\"Standard\">Our star ratings are based on the headline rate offered, our consumer base feedback, additional charges, ease of business, and value-added benefits.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-a-credit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1552\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is a credit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1552\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-is-a-credit-card\"><p class=\"Standard\">A credit card is a payment card, usually issued by a bank or lender, allowing its users to purchase goods or services or withdraw cash on credit.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-lenders-decide-whether-to-give-you-a-credit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1553\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do lenders decide whether to give you a credit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1553\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"how-do-lenders-decide-whether-to-give-you-a-credit-card\"><p class=\"Standard\">A lender determines how &#8216;risky&#8217; you are to lend to and considers your income and other financial commitments. It can then either accept or decline you. The criteria differ between lenders \u2013 you could be accepted by one but declined by another.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"why-do-lenders-offer-different-interest-rates-why-are-they-not-all-the-same\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1554\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Why do lenders offer different interest rates? Why are they not all the same?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1554\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"why-do-lenders-offer-different-interest-rates-why-are-they-not-all-the-same\"><p class=\"Standard\">Lenders have different selection criteria. Those offering lower interest rates tend to only lend to a small segment of borrowers. Alternatively, those offering higher rates tend to favour most borrowers, regardless of income or personal financial circumstances.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-are-the-pros-and-cons-of-owning-a-credit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1555\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What are the pros and cons of owning a credit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1555\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"what-are-the-pros-and-cons-of-owning-a-credit-card\"><p>Credit cards are helpful if used well but can be costly and damaging if poorly used. The <strong>main advantages<\/strong> are that:<\/p><ul><li>Can offer cheap borrowing or rewards<\/li><li>Let you spread the cost of a purchase<\/li><li>Let you transfer expensive debt to 0% (if you get a balance transfer card)<\/li><li>Give you extra protection on purchases<\/li><li>It can boost your credit history when managed well, meaning you&#8217;re more likely to be accepted for credit in future.<\/li><\/ul><p>The <strong>main disadvantages<\/strong> are:<\/p><ul><li>This can lead to a build-up of debt if you can\u2019t afford to repay what you borrow<\/li><li>Charge interest if you don&#8217;t clear your full balance each month<\/li><li>It can damage your ability to get credit in the future if you miss repayments &#8211; this is why we say always to pay at least the minimum repayment each month.<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-credit-card-interest-rates-change\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-1556\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Can credit card interest rates change?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1556\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"can-credit-card-interest-rates-change\"><p class=\"Standard\">Most credit cards come with a \u2018variable APR\u2019, known as CPR \u2018annual cost rate\u2019 in Estonia, which means that the interest lenders charge on borrowing (i.e. the outstanding balance on a credit card) can go up or down, depending on market fluctuations. Your lender must tell you if they plan to change your credit card CPR.<\/p><p class=\"Standard\">You can also get &#8216;fixed CPR cards, where lenders guarantee that they won\u2019t raise or lower the rate for a fixed period of time, although these are less common and usually have higher interest rates.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-credit-scoring\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-1557\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is credit scoring?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1557\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"what-is-credit-scoring\"><p>We\u2019re not entirely sure whether <em>credit scoring is used in Estonia<\/em>. However, in many countries, credit scoring is a process used by credit card companies and other lenders to decide whether or not they want to lend to you. This process is largely based on information they get from the credit reference agencies \u2013 who hold information about your credit history.<\/p><p>They will also use data from your application form and information from any accounts you&#8217;ve had with that financial firm. Broadly speaking, it means that if you have a history of repaying debts in full and on time, you\u2019ll have a better chance of getting accepted than if you have a history of missed payments.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-happens-if-i-miss-a-repayment-on-my-credit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"8\" aria-controls=\"elementor-tab-content-1558\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What happens if I miss a repayment on my credit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1558\" class=\"eael-accordion-content clearfix\" data-tab=\"8\" aria-labelledby=\"what-happens-if-i-miss-a-repayment-on-my-credit-card\"><p class=\"Standard\">If you miss a repayment or don&#8217;t make the minimum payment amount on your monthly credit card bill, you&#8217;ll typically be charged a late payment fee or interest on the outstanding amount.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-i-get-a-joint-credit-card\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"9\" aria-controls=\"elementor-tab-content-1559\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Can I get a joint credit card?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1559\" class=\"eael-accordion-content clearfix\" data-tab=\"9\" aria-labelledby=\"can-i-get-a-joint-credit-card\"><p>Although you can&#8217;t technically get a joint credit card in Estonia, you can opt to have <strong>additional cardholders<\/strong> linked to your credit card account (most often a relative or family member). But as the primary cardholder, you&#8217;ll remain solely responsible for the debt, regardless of who&#8217;s done the spending.<\/p><p>So, think carefully before adding any additional cardholders. If they go on a spending spree, even without your permission, you&#8217;ll be the one responsible for making the payments and clearing the balance.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Putting all credit cards on the table Whatever credit card you need, we&#8217;ve got a great pack to pick from when you compare credit cards with MoneyHub. MoneyHub experts say: \u201cCredit cards are like fire \u2013 a great tool if used well&#8230;used badly, they can burn. Different types of credit cards can help you cut [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17427,"parent":244,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-5253","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-scaled.jpg",2560,1588,false]},"categories_names":null,"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-scaled.jpg",2560,1588,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-scaled.jpg",2560,1588,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-scaled.jpg",2560,1588,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-300x186.jpg",300,186,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-1024x635.jpg",800,496,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-1536x953.jpg",1536,953,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/04\/pexels-pixabay-1645712-2048x1270.jpg",2048,1270,true]},"rttpg_author":{"display_name":"Simon Grey","author_link":"https:\/\/staging.moneyhub.ee\/en\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":" <a href=\"https:\/\/staging.moneyhub.ee\/en\/?taxonomy=translation_priority&#038;term=optional\" rel=\"tag\">Optional<\/a><a href=\"https:\/\/staging.moneyhub.ee\/?taxonomy=translation_priority&#038;term=optional-et\" rel=\"tag\">Optional<\/a>","rttpg_excerpt":"Putting all credit cards on the table Whatever credit card you need, we&#8217;ve got a great pack to pick from when you compare credit cards with MoneyHub. MoneyHub experts say: \u201cCredit cards are like fire \u2013 a great tool if used well&#8230;used badly, they can burn. Different types of credit cards can help you cut&hellip;","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/5253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=5253"}],"version-history":[{"count":3,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/5253\/revisions"}],"predecessor-version":[{"id":22581,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/5253\/revisions\/22581"}],"up":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/17427"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=5253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}