A credit card with Spread Payment is a revolving credit product. On March 31, 2027, ING will stop offering the option of Spread Payment on your credit card. For more information on Spread Payments, please visit our Spread Payments page.
"}},{"componentType":"paragraph","title":"Why the interim check?","richBody":{"value":"As a credit provider, ING has a duty of care. Your personal and financial situation can change over time. With the interim check, we jointly look at whether this product and limit still suit your personal situation and find another solution if necessary.
"}},{"componentType":"paragraph","title":"For whom is the interim check possible?","richBody":{"value":"The interim check is available to all customers with a credit card with Spread Payment. You can always request an interim check from ING, for example, if you are concerned about repaying your outstanding amount. You can do this by submitting the form and requested documents. We will then contact you. Additionally, ING is obliged by its duty of care to regularly check whether a credit product still suits your personal situation. Therefore, ING can also contact you to perform the interim check.
"}},{"componentType":"paragraph","title":"Possible solutions","richBody":{"value":"To check your financial situation, we’ll need some information and supporting documents from you. Please use the form below. Send the completed form with your information and supporting documents in one email to fit.creditcard@ing.nl.
Please note: send everything in one email and use file type PDF, JPEG, JPG or PNG for the attachments. If your citizen service number (burgerservicenummer (BSN)) is visible on any of your documents, make it illegible.
The required supporting documents are explained below.
Supporting documents:
"},"textLinks":[{"url":"https://assets.ing.com/m/463177d295b92d35/original/Tussentijdse-Check-Gespreid-Betalen-V4-0.pdf","text":"Interim check Spread Payment form (in Dutch)"}]},{"componentType":"accordion","accordionList":[{"title":"Supporting documents for paid employment or benefit","richBody":{"value":"Please send us the following supporting documents for the fitness check:
1. Salary/benefit slip
Attach a scan, photo or PDF file of your latest salary or benefit slip. Please also indicate if your employment is permanent or fixed-term or whether you have a temping contract. If you receive income more often than monthly, please send us all your pay slips over the past month. If you’re a temporary worker and you get paid every week, please send us 12 recent weekly pay slips.
2. Housing situation and costs
3. Cost of your car
4. Child or partner maintenance
Attach a bank statement (digital) with your latest maintenance payment(s).
5. Childcare costs
If you pay for childcare, please send us a copy of a bank statement (digital) with your latest childcare payment.
If you receive a childcare allowance, please send us a copy of a bank statement (digital) with the latest childcare allowance that you’ve received.
6. Loan without Central Credit Registration Office (BKR) registration
Examples of a loan that is not registered with the Central Credit Registration Office (BKR) are a loan from the Education Executive Agency (DUO) and a loan from family. Attach a bank statement (digital) with your latest loan repayment(s). Please also state the amount of the outstanding debt and, if you have a loan from the Education Executive Agency (DUO), whether you’re already paying back the loan. If you haven’t started to repay your loan from the Education Executive Agency (DUO), please send a statement of your student debt (available at duo.nl).
7. Pension statement (from age 58)
If you’re 58 or older, please attach a digital document showing your income after reaching state retirement age. You can download this document at 'Mijn Pensioenoverzicht', visit 'mijn pensioenoverzicht' here.
Please send the supporting documents as an attachment. This can be in the form of an email, a scan, photo or PDF file. Send everything together, not in separate emails.
"}},{"title":"Supporting documents for entrepreneurs and self-employed persons","richBody":{"value":"Please send us the following supporting documents for the fitness check:
1. Proof of income
Attach a digital document of your income tax returns from the past two financial years.
2. Housing situation and costs
Please indicate whether you have a mortgage or rent your home.
Please indicate the total housing costs.
Please indicate how much of the housing costs you pay and what part is paid by your partner or housemate.
If you pay the housing costs from your ING account, please give us the name of the mortgage lender or landlord. If you pay the housing costs from a different current account, please send us a copy of a digital bank statement including the latest rent or mortgage payment, and give us the name of the mortgage lender or landlord.
If you receive a housing benefit, please send us a copy of a bank statement (digital) with the latest housing benefit that you’ve received.
3. Cost of your car
Do you own or lease a car for personal use? Or do you and/or any contract partners have multiple cars? Please indicate that in the email. You don’t need to send us any documentation.
If you have a company car that you also drive for personal use, please send us your latest salary slip with your income in the past calendar month.
4. Child or partner maintenanceAttach a bank statement (digital) with your latest maintenance payment(s).
5. Childcare costs
If you pay for childcare, please send us a copy of a bank statement (digital) with your latest childcare payment.
If you receive a childcare allowance, please send us a copy of a bank statement (digital) with the latest childcare allowance that you’ve received.
6. Loan without Central Credit Registration Office (BKR) registration
Examples of a loan that is not registered with the Central Credit Registration Office (BKR) are a loan from the Education Executive Agency (DUO) and a loan from family. Attach a bank statement (digital) with your latest loan repayment(s). Please also state the amount of the outstanding debt and, if you have a loan from the Education Executive Agency (DUO), whether you’re already paying back the loan. If you haven’t started to repay your loan from the Education Executive Agency (DUO), please send a statement of your student debt (available at duo.nl).
7. Pension statement (from age 58)
If you’re 58 or older, please attach a digital document showing your income after reaching state retirement age. You can download this document at 'Mijn Pensioenoverzicht', visit 'mijn pensioenoverzicht' here.
Please send the supporting documents as an attachment. This can be in the form of an email, a scan, photo or PDF file. Send everything together, not in separate emails.
"}}]},{"componentType":"paragraph","title":"Frequently asked questions","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"How do I get a copy of my pension statement?","richBody":{"value":"You can download this document from mijnpensioenoverzicht.nl. We unfortunately can’t process documents from individual pension providers. You can download your pension statement by following the steps below:
You’re required to inform us if anything changes in your financial situation. But not everybody does that. So now, we ourselves at ING are checking the financial situation of our customers to prevent them from getting into financial difficulties because of their credit card spending.
"}},{"title":"What information about my living situation do I need to provide?","richBody":{"value":"To get a complete picture of your financial situation, we need to know whether you own or rent your home. Even if you live as a member of the household or have paid off your home mortgage – we’d like to know that too. Please include this information in your email with the details you send us.
"}},{"title":"Do I also need to provide information about the credit card holder using the additional credit card?","richBody":{"value":"No, we only need to understand your financial situation because you’re basically responsible for both credit cards.
"}},{"title":"I don't have email. Can I also send the information by post?","richBody":{"value":"Yes, you can. But if send it by email, it's easier for us to process your information, and we can also contact you more quickly if anything is missing.
Send your information (no postage necessary) to:
ING Financieel Fit Creditcards
Antwoordnummer 40700
8900 TE Leeuwarden
Please note: If you send your information by post, please write the contract number of your credit card on all documents. This contract number (2100-XXXX-XXXX) can be found in the letter or in the inbox message you received.
"}},{"title":"Why would my credit card no longer be right for me after I retire?","richBody":{"value":"There’s a chance that your income will change when you start receiving state pension and any personal pension that you may have. You may no longer be able to pay your credit card.
"}},{"title":"Can I always lower my credit card limit or cancel spread payments?","richBody":{"value":"Yes, you can. Go to ing.nl/creditcard to explore your options and see what’s right for your financial situation.
"}},{"title":"Am I required to provide this information?","richBody":{"value":"Yes, it's mandatory. It’s also in your own best interest to inform us of changes in your financial situation. If you don’t do that, we may block your credit card.
"}},{"title":"How can I prevent my credit card from being blocked?","richBody":{"value":"Send us the information we need about your income and any pension and housing costs, and we’ll check your financial fitness as soon as possible. However, there are some situations where you cannot prevent your card from being blocked, such as if your income minus your expenses is not enough to pay your credit card.
"}},{"title":"In what situations will you block my credit card?","richBody":{"value":"We’ll block your credit card in any of the following situations:
The terms and conditions allow us to block your credit card.
"}},{"title":"I won’t reach state retirement age for several years yet. So why are you already checking my limit?","richBody":{"value":"This is an important time to check your financial fitness so we know whether your credit card limit and the option of spread payments will still be right for you in the future.
"}},{"title":"I don’t feel comfortable sending sensitive documents by email/post. Is there an alternative?","richBody":{"value":"No, unfortunately not. Some of the documents that we ask for will show your citizen service number (burgerservicenummer (BSN)). You can remove that number, if you wish. We don’t need it for the financial fitness check.
"}},{"title":"What does the Special Care Team do?","richBody":{"value":"The Special Care Team is a specialised team in our arrears department. They’ll work with you to find a suitable solution for your situation to prevent you from falling behind on your payments. They do this proactively.
"}},{"title":"I’ve received a letter from your arrears department, but I’m not behind on my payments. I don’t understand.","richBody":{"value":"The Special Care Team is part of our arrears department. They work with you to find a suitable solution so that you don’t fall behind on your payments.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}