Nowadays, most people in Germany have a private checking account and thus a debit card, the debit Card. Withdraw cash at ATMs and in cashless payments with the card within Germany easily possible. In the case of the debit Card is a type of debit card. But what is a Debit-credit card? In this guide you will find everything you should know about Debit credit cards.

What is a Debit-credit card?

The Debit credit card in addition to debit cards another type of debit card and thus not a “real” credit card. The Debit-credit card, as the debit Card, linked directly to a checking or credit card account. So withdrawals and cashless transactions are with a Debit-credit card cash possible.

you can Also use the Debit or credit card abroad. If banks enter into a Co-Branding with credit card companies MasterCard and/or VISA, can be used the debit systems of these companies for cashless payment. The debit system of VISA called “V-Pay” is widely used in Europe, the debit system “Maestro” MasterCard is even used in the world. Display you Find your perfect credit card for card scout!

The benefits of a debit card

  • In the domestic and abroad use: In many cases, your debit Card also has a function as a Debit credit card. Best to check with your Bank, the countries in which the Bank card is valid. Thus, the need for a second card for use abroad.
  • Low debt risk: Since a Debit card is not a real credit card, can record, it has no credit. It is directly connected to your checking or credit card account. As soon as you use your Debit card for cashless payment, will be debited the appropriate amount in a timely manner from your account. The account must be covered in the rule. You can follow all money transactions on your account and keep track of your spending.
  • safety: A Debit-credit card only works together with your Personal Identification Number (PIN). The information about your PIN stored on the EMV Chip of the card and secure, as long as the PIN is kept secure. the caution: Keep your PIN never in your wallet or together with your Debit credit card. This applies to all the Bank cards, the need to use a PIN.
  • the Entire balance in the account may be used: With a Debit credit card, you can utilize the entire amount of money in your account, free of interest. In the case of a negative Deposit interest rates to fall, however, as you take in this case, a line of credit, if you have this sorted out with your Bank.

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    • Debit-credit card: The cons and hidden costs

  • ATMs are required: in front of The Bank that issued the Debit card, you which ATMs you can use free of charge, and what their cash withdrawal fees costs.
  • account-Overdraft: If you overdraw with Debit-credit card to your checking account, apply for the line of credit usually high interest rates.
  • anywhere recognized: The Debit-credit card is not accepted everywhere. For example, Hotels or car hire request hire often, that you put your credit card behind. The line of credit a traditional credit card ensures that any damage to the hire car or a hotel room can be paid for. Since the Debit card has under no credit you enough for Hotels and rental cars do not give as a security the most. Also Online stores need a certain amount of hedging and not, therefore, accept Debit credit cards part.

    • tip : in case you need your Debit card for a Hotel or car rental Deposit, you can have on your account part of the money freezing, you yourself cannot access. Thus, a certain amount of protection for the service provider is. You should only ensure that enough credit remains for your own use left.

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    Debit card and classic credit card: This is the difference

    Since the Pay with a Debit credit card has nothing to do with the inclusion of a loan in the traditional sense of the word, there are, in addition to some similarities and differences to a “real” credit card.

    payments :

    • Debit card : With this card payments will be debited within one or a few days directly from checking or credit account. This expenditure allows you to view at any time and keep track of your account keep.
    • credit card : all payments in a month will be debited in the following month from your checking account. You have, therefore, been no Overview of individual paid sums of money, or the time at which transactions are placed. The Overview of your expenses can be lost quickly.

    liabilities:

    • Debit card : With this card, it is difficult to get into debt, because you always have access to your payments. It is possible to make debt in the Form of an overdraft loan. You need to clarify in advance with your Bank, how high your credit limit is and how high the related interest on loans.
    • credit card: you can view individual payments. At the beginning of the following month, the sum of the expenditure of the previous month will be paid from your checking account. Here, you can quickly lose the Overview of your expenses and so in debt to get.

    appearance :

    Debit credit cards and “real” credit cards see confusingly similar: In both cards for a 12 to 16-digit number. In the case of the Debit-credit card this is the debit card number. In addition, all Debit credit cards have an EMV Chip and a magnetic stripe credit cards have a magnetic stripe. The Logo of the issuing Bank and the Label of the supported debit systems (“V-Pay”, “Maestro”, or both) are shown on the map.

    do not appear on the Debit card, the Label of the debit systems do not need to mean automatically that you will not be able to use the card abroad. To find out how to use the card abroad can make use of, you should obtain information from your Bank.

    On some Debit credit cards, the word read is a “debit” to credit cards, it is not found naturally.

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