Not always. When you apply for a credit card, you and the credit card company agree the maximum amount you can spend; this is your credit limit. If this amount is higher than € 250, you will be registered at BKR. Do you have a charge card? That means you pay the full amount of your expenditures on a monthly basis. It means you do not have standing credit, so you are not registered at BKR. Your charge card will only be registered at BKR if you run behind on payments.