The preference of the Germans is clear: Almost 30 million credit cards, with around 100 million debit cards, known as an EC card or Girocard face. However, the debit card is really better than a credit card? FOCUS Online makes the comparison.
difference between debit and credit cardThe big difference between a debit and a credit card is that when you Pay with a debit card, the account in a timely manner will be charged. The money will be debited one to two days later. In the case of the credit card which is usually only at the end of the month is the case. In addition, the debit card is tied to a checking account. It is in the rule. Because of this link with the EC system for on-card, therefore, for example, account statements, printing and money from the checking account to withdraw. The ATMs belonging to the Bank or to your network, it is possible free of charge. Otherwise, a fee will be charged. Also with the credit card money may be the machine pulled. Often in Germany is free of charge, from the map.
The credit card is not tied necessarily to a checking account. Often there is a private credit card account, the customer must compensate either by yourself on a regular basis or where the amount is automatically drawn in. This means that you can get his credit card from institutions where you have no checking account. It is, therefore, independent of the Bank.
In the case of credit cards, three types can be distinguished:
The charge card gives the customer a free short-term credit, if he paid for with the card. The credit card transactions are collected, charged, and once a month in full amount from the reference account confiscated.
recommended Charge Cards
DKB-Cash- worldwide free cash withdrawals
- free to play Online(Giro)account
- Cashback program included
- for sales-dependent rebate of the annual fee after 12 months of term
- Concierge program
- discounted Lounge access
- 24 worldwide free cash withdrawals per calendar year with the Visa credit card - 1.99 euros from the 25. Available
- no monthly minimum money input is required
- free girocard (Maestro)
The Revolving credit card allows the customer only a portion of the loan at the end of the month to repay. The rest sum is extended – against an often high interest rate. Some providers drag the invoice amount, or the parts of it not automatically. The card holder must have the monthly statement by wire Transfer on his own.
The Prepaid credit card does not grant any credit like the other two cards. You can only spend what it has previously charged.
recommended Prepaid cards
Fidor smart card- Maestro and MasterCard credit card in a card
- without the query in the Schufa
- no top - up or account limit
- 24 worldwide free orders per calendar year, with the Visa credit card - 1.99 euros from the 25. Available
- no monthly minimum money input is required
- optionally, as a Classic credit card available
- Mastercard without Schufa query
- no Bank account required
- no charging limit, if you have verified with your ID
- Extra services: credit cards offer the payment service in addition to many Extras, such as free insurance or discounts.
- use abroad: credit cards are accepted practically all over the world as a means of payment.
- The burden of proof in the case of abuse is in the Bank display Now your suitable credit card for card scout find!
- fees: Depending on the map for different things, fees due. Many of the cards costs, for example, an annual fee. But there are also many free credit cards.
- loss of control: anyone Who is not careful, can lose the Overview of how much money he has to spend this month with his credit card. Because that is settled with most of the providers only once per month – and then it can be a nasty Surprise. The account Banking is, however, in General, at any time in the Online-viewable.
- Less points of acceptance in Germany than it is for the EC-card
Top free credit cards for travelers
1plus VISA-Card- worldwide free cash withdrawals
- in the case of tank turnovers of up to 400 euros per month is a reimbursement of 1 %
- granted no Bank Account required
- worldwide free cash withdrawals
- free to play Online(Giro)account
- Cashback program included
- permanently post-free
- stand out in the world cash free of charge
- no Bank Account required
- No fees: debit cards are free of charge and is included the fee in the account price.
- debit cards are accepted in almost every store in Germany.
- output control: The money will be debited to the Pay for promptly from the account. Who doesn't want to slip in the expensive MRP area, you should regularly check his account balance. Dissatisfied with your credit card? Now convenient online to cancel! (Display)
- Only of limited use abroad is possible.
- Often high fees for cash withdrawals at third-party ATMs
- most of The banks provide a card to use the overdraft, which will then be charged at very high interest rates.
- The burden of proof in the case of abuse of the customer is free credit card (display)
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Date Of Update: 12 June 2020, 22:27
