At the moment we're still using our French bank account and credit card, but we'd like to have the same banking facilities based in Malta as we do in France. We've not opened a bank account in Malta yet because it just seemed easier to keep using our French account for now. Using the bank account is fine, but I doubt we should still be using the credit card. After asking BOV about credit cards, we've been told they block €5000 of your own money if you want a credit card with a limit of €3000? Is this always the case and if so, what's the point in having a credit card?