the Federal citizens have around 35 million credit cards. Many vendors use to advertise completely free cards. Who is watching but more precisely, you will notice mostly is The is to promise too much. to illustrate
the cost for the credit cards, have developed a product tester two model customers.
- standard user, the withdraw to your credit card mainly for Online purchases
- travelers, the numbers, especially abroad, with the card, money and travel bookings online.
The initial questions were: Which credit card is convenient and what users need to pay attention to. And just as important: What are the pitfalls to avoid? The “Stiftung Warentest”
selection: A credit card is for Online purchases and to virtually travel advises. No one has to take the card from his Bank. You want to use a card to withdraw cash, will inform you in advance about any costs.
With checking account: Especially attractive is the DKB Visa Card for “active” customers with a monthly receipt of money of 700 euros on your account. is
- you can read more about the terms and cost of the DKB-Visa-Card
Without a checking account: Free to use awesome card of the Hanseatic Bank and the Germany-credit card Classic Paysol can. For that you must but the default part payment and full balance of the account change. Otherwise you pay high interest rates.
- you can read more about the terms and cost of the awesome card of the Hanseatic Bank
- you can read more about the terms and cost of the Germany-credit card Classic of Paysol
Claim: Unauthorized withdrawals from your card you can call in the Chargeback back.
Basically, there are four common types of card:
- Standard card : This widely used type is a so-called Charge card. Here are the collected revenues are collected once a month by direct debit from the current account. No credit interest is payable.
- Debit card: At these from the card Issuer every sales immediately after a payment from the account.
- credit card with partial payment: providers often advertise with flexible Rates and individual repayment options. However, the postponement of the payment of tax on the outstanding amount of interest rates to fall by up to 20 per cent, from the date of the transaction. Here advises the “Stiftung Warentest” of four cards from: “toll-free Mastercard Gold” with the Advanzia Bank, the Visa credit card from Barclaycard, the 1 plus Visa Card, the Santander Consumer Bank, as well as the Mastercard Gold of the TF Bank. The reason: customers are not able to switch off for these products, the part of the payment.
- credit card: In the case of these so-called Prepaid credit cards have to charge customers money. You can then spend this credit – but not a Cent more. Display you Find your perfect credit card for card scout!
Good cards for travelers – on fees, the eighth
To travel the cards are especially handy, because with you almost anywhere in the world to pay in and withdraw money can. However, the cost of fees. The cost for Lift-off at the ATM for a bonus for the currency conversion (“international fee”).
Important: The fees the ATM operator, the apply sometimes abroad, reimbursed, no card providers and more.
credit card Test
cards with free checking account without payment Stiftung Warentest
These cards without annual basic price coupled with a free checking account.
For Girokunden the DKB with at least 700 Euro monthly money input the foreign exchange fee of 2.2 percent. This makes it the cheapest card in the Test.
Anyone looking for a cheap card just to shop in euros, finds multiple matching offers, among others, ADAC, ICS, Tchibo and Targobank – without coupling with a checking account.
credit card without a checking account – without partial payment or non-preset Stiftung Warentest
credit card with no checking account – part of a payment default, but can be Stiftung Warentest
credit card without a checking account – with part payment: incur high rates of interest, when user transactions are not self-Stiftung Warentest
Also interesting: How does a credit card balances? Easy
declares the method most of The tested cards were by the way to order online – including Video Ident. In the case of the other interested to the Post office and by post Ident legitimate need to.
With a FOCUS on Online the best checking accounts compare (display) current account comparison 2020: The best account every 5000 to 7000 years: comet “Neowise find” to see in the night sky PCP Only every 5000 to 7000 years: comet “Neowise” now in the night sky to see
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